<SEC-DOCUMENT>0000842180-20-000012.txt : 20200731
<SEC-HEADER>0000842180-20-000012.hdr.sgml : 20200731
<ACCEPTANCE-DATETIME>20200731120848
ACCESSION NUMBER:		0000842180-20-000012
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		198
CONFORMED PERIOD OF REPORT:	20200630
FILED AS OF DATE:		20200731
DATE AS OF CHANGE:		20200731

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:		201064693

	BUSINESS ADDRESS:	
		STREET 1:		CALLE AZUL 4
		CITY:			MADRID
		STATE:			U3
		ZIP:			28050
		BUSINESS PHONE:		011 34 91 537 8172

	MAIL ADDRESS:	
		STREET 1:		CALLE AZUL 4
		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>d6kjune2020.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 six months ended June
30, 2020</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>

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<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 office) </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;">&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 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>


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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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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_2"></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-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>


</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=ES-TRAD style="font-size:10.0pt;">BANCO
BILBAO VIZCAYA ARGENTARIA, S.A.</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: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>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr style="height:12.85pt;">
  <td width=91% style="height:12.85pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font color=windowtext style="border:none;"><font color=windowtext face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;text-decoration:none;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="height:12.85pt;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;text-indent:0cm;"><font style="border:none;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Page</font></u></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_3"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Certain Terms and
  Conventions</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">1</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_4"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Cautionary Statement
  Regarding Forward-Looking Statements</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">2</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_6"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Presentation of Financial
  Information</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_7"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">3A. Selected Interim
  Consolidated Financial Data</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_9"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4B. Business Overview</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">7</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_19"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4E. Selected Statistical
  Information</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">17</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_34"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5. Operating and Financial
  Review and Prospects</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">32</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_36"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5A. Operating Results</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">34</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_74"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5B. Liquidity and Capital
  Resources</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">72</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="border:none;"><a href="#page_77"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5E. Off-Balance Sheet
  Arrangements</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">75</font></font></p>
  </td>
 </tr>
<tr>
  <td width=91% style="padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-indent:0cm;"><font style="background:white;border:none;"><a href="#page_79"><u><font color=blue face="Times New Roman,serif" lang=EN-US style="background:white;font-size:10.0pt;">Unaudited
  Condensed Interim Consolidated Financial Statements</font></u></a></font></p>
  </td>
 <td width=9% style="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;text-indent:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">F-1</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;"><font style="border:none;"><font face="Times New Roman,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;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">This Form 6-K is incorporated by reference into BBVA&#8217;s
Registration Statement on Form F-3 (File No. 333-232333) filed with the
Securities and Exchange Commission.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The terms below are
used as follows throughout this report:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">BBVA</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;, the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Bank</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;,
the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Company</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;, the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Group</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;, the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">BBVA Group</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#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:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">BBVA Mexico</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#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:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">BBVA USA</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; means BBVA
USA 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:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Consolidated Financial
Statements</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;&nbsp;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> </font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">means our audited consolidated financial statements as
of and for the years ended December 31, 2019, 2018 and 2017, prepared in
compliance with the 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;">IFRS-IASB</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#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;">EU-IFRS</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;) required to be applied under the Bank of
Spain&#8217;s Circular 4/2004 and Circular 4/2017 (each as defined herein).</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Garanti BBVA</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#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>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Latin America</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#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:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Unaudited Condensed
Interim Consolidated Financial Statements</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; means our unaudited condensed
interim consolidated financial statements as of June 30, 2020 and December 31,
2019 and for the six months ended June 30, 2020 and June 30, 2019 prepared in
accordance with International Accounting Standard 34 (IAS 34) as issued by the
IASB and adopted by the European Union (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">EU</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;).&nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">2019 Form 20-F</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;
means our Annual Report on Form 20-F for the year ended December 31, 2019 filed
with the SEC on February 28, 2020.</font></font></p>

<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:10.0pt;">&nbsp;</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In this report, &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">$</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;, &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">U.S. dollars</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;, and &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">dollars</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;
refer to United States Dollars and &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8364;</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; and &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">euro</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; refer to Euro.</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">1</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</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:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">CAUTIONARY
STATEMENT REGARDING FORWARD-LOOKING STATEMENTS </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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">This report contains
statements that constitute forward-looking statements within the meaning of
Section&nbsp;27A of the Securities Act of 1933, as amended (the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Securities
Act</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;) Section&nbsp;21E of the U.S. Securities Exchange Act of 1934, as
amended (the &#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Exchange Act</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;), and the safe harbor provisions of the
Private Securities Litigation Reform Act of 1995. Forward-looking statements
may include words such as &#8220;believe&#8221;, &#8220;expect&#8221;, &#8220;estimate&#8221;, &#8220;project&#8221;, &#8220;anticipate&#8221;,
&#8220;should&#8221;, &#8220;intend&#8221;, &#8220;probability&#8221;, &#8220;risk&#8221;, &#8220;VaR&#8221;, &#8220;target&#8221;, &#8220;goal&#8221;, &#8220;objective&#8221;
and similar expressions or variations on such expressions and includes
statements regarding future growth rates. Forward-looking statements are not
guarantees of future performance and involve risks and uncertainties, and
actual results may differ materially from those in the forward-looking
statements as a result of various factors. The accompanying information in this
interim report on Form 6-K, including, without limitation, the information
under the items listed below, identifies important factors that could cause
such differences:</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 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 style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4B. &#8220;Business Overview&#8221;,</font></i></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 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 style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4E. &#8220;Selected Statistical
Information&#8221;, and </font></i></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 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 style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5. &#8220;Operating and
Financial Review and Prospects&#8221;.</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other important factors
that could cause actual results to differ materially from those in
forward-looking statements include the factors identified in &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item 3. Key
Information&#8212;Risk Factors</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;, &nbsp;</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item
4. Information on the Company</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;, &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item 5. Operating and Financial Review
and Prospects</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; and &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item 11. Quantitative and Qualitative Disclosures
About Market Risk</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; in our 2019 Form 20-F<a name="_cp_text_1_27"></a>, </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">and the following, among others:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the impact of the
coronavirus (COVID-19) pandemic and the measures adopted by governments and the
private sector in connection therewith on our business and the economy;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">political, economic and
business conditions in Spain, the EU, Latin America, Turkey, the United States
and the other geographies in which we operate;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">our ability to comply with
various legal and regulatory regimes and the impact of changes in applicable
laws and regulations, including increased capital, liquidity and provision
requirements and taxation, and steps taken towards achieving an EU fiscal and
banking union and an EU capital markets union;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the monetary, interest rate
and other policies of central banks, and the trade, economic and other policies
of governments, in the EU, Spain, the United States, Mexico, Turkey and
elsewhere; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">changes or volatility in
interest rates, foreign exchange rates (including the euro to U.S. dollar
exchange rate), asset prices, equity markets, commodity prices, inflation or deflation;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the political, economic and
regulatory impacts related to the United Kingdom&#8217;s withdrawal from the EU and
the future relationship between the United Kingdom and the EU; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">adjustments in the real
estate markets in the geographies in which we operate, in particular in Spain,
Mexico, the United States and Turkey;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the effects of competition
in the markets in which we operate, which may be influenced by regulation or
deregulation of us or our competitors, and our ability to implement
technological advances; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">changes in consumer spending
and savings habits, including changes in government policies which may
influence spending, saving and investment decisions; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">adverse developments in
emerging countries, in particular Latin America and Turkey, including
unfavorable political and economic developments, social instability and changes
in governmental policies, including expropriation, nationalization, exchange
controls or other limitations on the repatriation of dividends, international
ownership legislation, interest rate caps and tax policies;</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">our ability to continue to
access sources of liquidity and funding, including public sources of liquidity
such as the funding provided by the </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">European Central Bank (&#8220;</font><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">ECB</font></b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;) through the extraordinary
measures adopted in connection with the COVID-19 pandemic</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, and our ability to receive dividends and other
funds from our subsidiaries; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">our ability to hedge certain
risks economically; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">downgrades in our credit
ratings or in Spain&#8217;s credit ratings;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the success of our
acquisitions, divestitures, mergers, joint ventures and strategic alliances;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">our ability to make payments
on certain substantial unfunded amounts relating to commitments with personnel;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the performance of our
international operations and our ability to manage such operations;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">weaknesses or failures in
our Group&#8217;s internal or outsourced processes, systems (including information
technology systems) and security;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">weaknesses or failures of
our anti-money laundering or anti-terrorism programs, or of our internal
policies, procedures, systems and other mitigating measures designed to ensure
compliance with applicable anti-corruption laws and sanctions regulations;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">security breaches, including
cyber-attacks and identity theft;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the outcome of legal and
regulatory actions and proceedings, both those to which the Group is currently
exposed and any others which may arise in the future, including actions and
proceedings related to former subsidiaries of the Group or in respect of which
the Group may have indemnification obligations; </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">actions that are
incompatible with our ethics and compliance standards, and our failure to
timely detect or remedy any such actions;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:0cm;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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">uncertainty surrounding the
integrity and continued existence of reference rates and the transition away
from the Euro Interbank Offered Rate (EURIBOR), Euro OverNight Index Average
(EONIA) and London Inter-bank Offered Rate (LIBOR) to new reference rates;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">our success in managing the
risks involved in the foregoing, which depends, among other things, on our
ability to anticipate events that are not captured by the statistical models we
use; and </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><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 style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">force majeure</font></i></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> and other events beyond our control.</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;">Readers are cautioned not to place undue
reliance on such forward-looking statements, which speak only as of the date
hereof. We undertake no obligation to release publicly the result of any
revisions to these forward-looking statements which may be made to reflect
events or circumstances after the date hereof, including, without limitation,
changes in our business or acquisition strategy or planned capital
expenditures, or to reflect the occurrence of unanticipated events.</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:center;"><a name="_DV_C79_1"></a></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">3</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:center;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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;text-align:justify;text-indent:17.85pt;"><a name="_DV_M131"></a><a name="_DV_M144"></a><a name="_DV_M145"></a><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Under Regulation (EC) no. 1606/2002 of the
European Parliament and of the Council of July 19, 2002, all companies governed
by the law of an EU Member State and whose securities are admitted to trading
on a regulated market of any Member State must prepare their consolidated financial
statements for the years beginning on or after January 1, 2005 in conformity
with <a name="_DV_C23"></a>EU-IFRS. The Bank of Spain issued Circular 4/2017 of
November 27, 2017 (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Circular 4/2017</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;), which replaced Circular 4/2004 of
December 22, 2004, on Public and Confidential Financial Reporting Rules and
Formats (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Circular 4/2004</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;) for financial statements relating to periods
ended January 1, 2018 or thereafter.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">There are
no differences between EU-IFRS required to be applied under the Bank of Spain&#8217;s
Circular 4/2017 and IFRS-IASB as of the dates and for the periods presented.
The Unaudited Condensed Interim Consolidated Financial Statements included in
this report on Form 6-K are in compliance with IAS 34 as issued by the IASB,
and adopted by the EU and required to be applied under the Bank of Spain&#8217;s
Circular 4/2017.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For a
description of our critical accounting policies, see Note 2 to our Unaudited
Condensed Interim Consolidated Financial Statements, &#8220;</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item 5. Operating and
Financial Review and Prospects&#8212;Critical Accounting Policies</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;, &#8220;</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item 5.
Operating and Financial Review and Prospects&#8212;Critical Accounting Policies</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;
in our 2019 Form 20-F and Note 2.2.1 to our Consolidated Financial Statements.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
financial information as of December 31, 2019 included herein and in the
Unaudited Condensed Interim Consolidated Financial Statements may differ from
previously reported financial information as of such date in our previously
filed reports, including the 2019 Form 20-F, as a result of the modifications
referred to below under </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;&#8212;Hyperinflationary economies&#8221;.</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
financial information for the six months ended June 30, 2019 included herein
and in the Unaudited Condensed Interim Consolidated Financial Statements may
differ from previously reported financial information for such period in our
previously filed reports, as a result of the modifications referred to below
under</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> &#8220;&#8212;IFRS 9 &#8211; Collection of interest on impaired financial assets&#8221;.</font></i></font><font style="border:none;"><font face="Times New Roman,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;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Hyperinflationary economies</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Considering
the interpretation issued by the International Financial Reporting
Interpretations Committee (IFRIC) in its &#8220;IFRIC Update&#8221; of March 2020 on IAS 29
&#8220;Financial information in hyperinflationary economies&#8221;, the Group made an
accounting policy change which involves recording the differences generated
when translating the restated financial statements of the subsidiaries in
hyperinflationary economies into euros in the line item &#8220;Accumulated other
comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211;
Foreign currency translation&#8221; of our consolidated balance sheet. In order to
make the information as of December 31, 2019 comparable with information as of
June 30, 2020, the former has been restated by reclassifying &#8364;2,985 million
from &#8220;Shareholders&#8217; funds &#8211; Retained earnings&#8221; and &#8364;6 million from
&#8220;Shareholders&#8217; funds &#8211; Other reserves&#8221; to &#8220;Accumulated other comprehensive
income &#8211; Items that may be reclassified to profit or loss &#8211; Foreign currency
translation&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
reclassification has been recorded as &#8220;Effect of changes in accounting
policies&#8221; under the balance as of January 1, 2019 in the consolidated statement
of changes in equity for the six-month period ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">IFRS 9 &#8211; Collection of interest on
impaired financial assets</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As a consequence of the application
of the interpretation issued by the IFRIC in its &#8220;IFRIC Update&#8221; of March 2019
regarding the collection of interest on impaired financial assets under IFRS 9,
such collections are presented since 2020 as reductions in credit-related
write-offs whereas previously they were included as interest income. In order
to make the information for the six months ended June 30, 2019 comparable with
the information for the six months ended June 30, 2020, the unaudited condensed
interim consolidated income statement for the six months ended June 30, 2019
has been restated by recognizing a &#8364;45 million reduction in the heading
&#8220;Interest and other income&#8221; and a &#8364;45 million increase in the heading
&#8220;Impairment or reversal of impairment on financial assets not measured at fair
value through profit or loss or net gains by modification&#8221;. This
reclassification has had no impact on the profit for the period for the six
months ended June 30, 2019 or on the consolidated total equity as of June 30,
2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">4</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Intra-group
reallocations</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Following the publication of our
unaudited condensed interim consolidated financial statements as of and for the
six months ended June 30, 2019, certain balance sheet intra-group adjustments
between the Corporate Center and the operating segments were reallocated to the
corresponding operating segments. In addition, certain expenses related to
global projects and activities were reallocated between the Corporate Center
and the corresponding operating segments. In order to make the information as
of and for the six months ended June 30, 2019 comparable with the information
as of and for the six months ended June 30, 2020, figures as of and for the six
months ended June 30, 2019 have been revised in conformity with these
intra-group reallocations.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;"><font style="border:none;"><font face="Times New Roman,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;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Statistical and Financial Information </font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-indent:17.85pt;"><a name="_DV_M146_0"></a><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following principles should be noted in reviewing the
statistical and financial information contained herein:</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;vertical-align:baseline;"><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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Average
balances, when used, are based on the beginning and the month-end balances
during each six-month period. We do not believe that such monthly averages
present trends that are materially different from those that would be presented
by daily averages.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:35.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;vertical-align:baseline;"><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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Unless otherwise
stated, any reference to loans refers to both loans and advances.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;vertical-align:baseline;"><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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
information with respect to segments or subsidiaries may not reflect
consolidation adjustments.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;vertical-align:baseline;"><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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Certain
numerical information in this interim report on Form 6-K may not compute due to
rounding. In addition, information regarding period-to-period changes is based
on numbers which have not been rounded.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;vertical-align:baseline;"><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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Information has
not been annualized except where explicitly stated.</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:21.25pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<h2 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">3A. </font></b></font><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">SELECTED INTERIM CONSOLIDATED FINANCIAL
DATA</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The historical financial information set forth below has been extracted
from, and should be read together with, the Unaudited Condensed Interim
Consolidated Financial Statements included herein.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For information concerning the preparation and presentation of the
financial information contained herein, see &#8220;Presentation of Financial
Information&#8221;.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">5</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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_6K_SMSR_3A1A" style="border-collapse:collapse;width:100%;">
 <tr style="height:10.5pt;">
  <td nowrap valign=bottom width=54% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap 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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Six months ended
  June 30,</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td nowrap valign=bottom width=54% style="height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=16% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">2020</font></b></font></p>
  </td>
 <td width=15% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">2019 (1)</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:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Change</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(%)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=54% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=46% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(In Millions of
  Euros, Except Per Share/ADS Data)</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Consolidated Statement of Income Data</font></b></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Interest and other income </font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">13,228</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">15,633</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(15.4) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Interest expense</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(4,574)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(6,691)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(31.6) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Net interest income</font></b></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">8,653</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">8,941</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(3.2) </font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Fee and commission income </font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">3,325</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">3,661</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(9.2) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Fee and commission expense</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(1,024)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(1,191)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(14.1) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Net gains (losses) on financial assets and
  liabilities <sup>(2)</sup></font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">790</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">408</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">93.6 </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Other operating income</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">230</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">337</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(31.7) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Other operating expense</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(848)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(995)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(14.8) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Income from insurance and reinsurance
  contracts</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">1,307</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">1,547</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(15.6) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Expense from insurance and reinsurance
  contracts</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(765)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(983)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(22.2) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Gross income</font></b></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">12,045</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">11,944</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">0.8 </font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Administration costs</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(4,746)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(5,084)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(6.6) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Depreciation and amortization</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(766)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(790)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(3.1) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Provisions or reversal of provisions </font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(541)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(261)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">107.6 </font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=54% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">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=16% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(4,146)</font></font></p>
  </td>
 <td nowrap width=15% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(1,731)</font></font></p>
  </td>
 <td nowrap width=15% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">139.5 </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Net operating income</font></b></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">1,846</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">4,077</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(54.7) </font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=54% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Impairment or reversal of impairment of
  investments in joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=16% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(60)</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">n.m. (5)</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Impairment or reversal of impairment on
  non-financial assets</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(2,149)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(44)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">n.m. (5)</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=54% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Gains (losses) on derecognition of
  non-financial assets and subsidiaries, net</font></font></p>
  </td>
 <td nowrap width=16% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">4</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">8</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(49.9) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Negative goodwill recognized in profit or loss</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">-</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=54% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Gains (losses) from non-current assets and
  disposal groups classified as held for sale not qualifying as discontinued
  operations</font></font></p>
  </td>
 <td nowrap width=16% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(9)</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">11</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">n.m. (5)</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Operating profit / (loss) before tax</font></b></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(368)</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">4,052</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">n.m. (5)</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=54% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Tax (expense) or income related to profit or
  loss from continuing operations</font></font></p>
  </td>
 <td nowrap width=16% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(455)</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(1,136)</font></font></p>
  </td>
 <td nowrap width=15% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(60.0) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Profit / (loss) from continuing operations</font></b></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(823)</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">2,916</font></b></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">n.m. (5)</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Profit / (loss) attributable to parent company</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(1,157)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">2,442</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">n.m. (5)</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Profit attributable to non-controlling
  interests</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">333</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">475</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(29.7) </font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Per share/ADS<sup>(3)</sup> Data</font></b></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Profit from continuing operations</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(0.12)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">0.44</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Diluted profit attributable to parent company <sup>(4)</sup></font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(0.20)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">0.34</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Basic profit attributable to parent company</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(0.20)</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">0.34</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Dividends declared (In Euros)</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&#160;-&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&#160;-&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Dividends declared (In U.S. dollars)</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&#160;-&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&#160;-&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=54% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">Number of shares outstanding (at period end)</font></font></p>
  </td>
 <td nowrap width=16% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">6,667,886,580 </font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">6,667,886,580 </font></font></p>
  </td>
 <td nowrap width=15% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160; &#160;Restated. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&#8220;Presentation of
Financial Information&#8212;IFRS 9 &#8211; Collection of interest on impaired financial
assets&#8221;.</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160; Comprises the following income statement
line items contained in the Unaudited Condensed Interim 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; and &#8220;Gains (losses) from
hedge accounting, net&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160; Each American Depositary Share (&#8220;ADS&#8221;)
represents the right to receive one ordinary share.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(4)&#160; Calculated on the basis of the weighted
average number of BBVA&#8217;s ordinary shares outstanding during the relevant
period, including the average estimated number of shares to be issued upon
conversion of other securities, excluding the weighted average number of
treasury shares during the period (6,668 million shares for the six months
ended June 30, 2020 and June 30, 2019).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(5) &#160;Not meaningful.</font></font><font style="border:none;">
&nbsp;</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">6</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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_6K_SMSR_3A1DEFGH" style="border-collapse:collapse;width:100%;">
 <tr style="height:33.0pt;">
  <td nowrap valign=bottom width=55% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of and for the six months ended June 30,</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of and for the year ended December 31,</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of and for the six months ended June 30,</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=55% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</font></b></font></p>
  </td>
 <td valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></b></font></p>
  </td>
 <td valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=55% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 valign=bottom width=45% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(In Millions of
  Euros, Except&#160; Percentages)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Consolidated Balance Sheet Data</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total assets </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">753,824 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">698,690 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">697,626 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Common stock</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,267 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,267 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,267 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">450,222 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">439,162 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">430,930 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial liabilities at amortized cost -
  Customer deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">402,184 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">384,219 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">375,104 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Debt certificates </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">68,623 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">68,619 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66,677 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Non-controlling interest</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,836 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,201 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,839 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total equity (net assets)</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">49,555 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">54,925 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">54,690 </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Consolidated ratios</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Certain ratios:</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest margin (1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.19%</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.61% (2)</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.31% (2)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Equity to assets ratio (3)</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6.6%</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7.9%</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7.8%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Credit quality data</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loan loss reserve (4)</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,588 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,427 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,174 </font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td valign=top width=55% style="height:27.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loan loss reserve as a percentage of financial
  assets at amortized cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.02%</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.83%</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.83%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Non-performing asset ratio (NPA ratio) (5)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.68%</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.79%</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.84%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impaired loans and advances to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15,637</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15,954</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,009</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impaired loan commitments and guarantees to
  customers (6)</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">702 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">731 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">707 </font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=top width=55% style="height:15.75pt;padding:0cm 0cm 0cm 18.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,339 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,684 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,716 </font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=top width=55% style="height:15.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to customers at amortized
  cost (7)</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">400,764</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">394,763</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">389,306</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=top width=55% style="height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loan commitments and guarantees to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">42,948 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">45,952 </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">45,650 </font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=55% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">443,711 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">440,714 </font></font></p>
  </td>
 <td nowrap valign=top width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">434,955 </font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&nbsp; Represents net interest income as a
percentage of average total assets. In order to calculate &#8220;Net interest margin&#8221;
for the six months ended June 30, 2020 and June 30, 2019, respectively, net
interest income is annualized by multiplying the net interest income for the
period by two.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&nbsp; Restated. See &#8220;Presentation of
Financial Information&#8212;IFRS 9 &#8211; Collection of interest on impaired financial
assets&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&nbsp; Represents average total equity over
average total assets. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(4)&nbsp; Represents loss allowance on loans and
advances at amortized cost.&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(5)&nbsp; Represents the sum of impaired loans
and advances to customers and impaired loan commitments and guarantees to
customers divided by the sum of loans and advances to customers and loan
commitments and guarantees to customers.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(6)&nbsp; We include loan commitments and
guarantees to customers in the calculation of our non-performing asset ratio
(NPA ratio). We believe that impaired loan commitments and guarantees to
customers should be included in the calculation of our NPA ratio where we have
reason to know, as of the reporting date, that they are impaired. The credit
risk associated with loan commitments and guarantees to customers (consisting
mainly of financial guarantees provided to third parties on behalf of our
customers) is evaluated and provisioned according to the probability of default
of our customers&#8217; obligations. If impaired loan commitments and guarantees to
customers were not included in the calculation of our NPA ratio, such ratio
would generally be lower for the periods covered, amounting to 3.52% as of June
30, 2020, 3.62% as of December 31, 2019 and 3.68% as of June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:17.85pt;text-align:justify;text-indent:-17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(7)&nbsp; Includes impaired loans and advances.</font></font></p>

<h2 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4B. Business Overview</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The
BBVA Group is a customer-centric global financial services group founded in
1857. Internationally diversified and with strengths in the traditional banking
businesses of retail banking, asset management and wholesale banking, the Group
is committed to offering a compelling digital proposition focused on customer
experience.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">For
this purpose, the Group is focused on increasingly offering products online and
through mobile channels, improving the functionality of its digital offerings
and refining the customer experience. During the six months ended June 30,
2020, the number of digital and mobile customers and the volume of digital
sales continued to increase.</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">7</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

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</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">

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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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 2019, the Group adopted a common global brand
through the unification of the BBVA brand as part of its efforts to offer a
unique value proposition and a homogeneous customer experience in the countries
in which the Group operates.</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 style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating Segments</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 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: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;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160; Spain;</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;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160; The United States;</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;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160; Mexico;</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;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160; Turkey;</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;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160; South America; and</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;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160; Rest of Eurasia.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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.</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The breakdown of the
Group&#8217;s total assets by each of BBVA&#8217;s operating segments and the Corporate
Center as of June 30, 2020 and December 31, 2019 was as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4B1A" style="border-collapse:collapse;width:100%;">
 <tr style="height:31.5pt;">
  <td width=56% style="border:none;border-right:solid white 1.0pt;height:31.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=22% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid white 1.0pt;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30,
  2020</font></b></font></p>
  </td>
 <td width=22% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid white 1.0pt;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of December 31,
  2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=56% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 nowrap valign=bottom width=44% style="border:none;border-bottom:solid white 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=56% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Spain</font></font></p>
  </td>
 <td width=22% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">419,475</font></font></p>
  </td>
 <td width=22% style="border:none;border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:solid white 1.0pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">365,380</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=56% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">The United States</font></font></p>
  </td>
 <td width=22% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">101,118</font></font></p>
  </td>
 <td width=22% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">88,529</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=56% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Mexico</font></font></p>
  </td>
 <td width=22% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">103,671</font></font></p>
  </td>
 <td width=22% style="border-bottom:solid white 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">109,079</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Turkey</font></font></p>
  </td>
 <td width=22% style="border:none;border-right:solid white 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">63,525</font></font></p>
  </td>
 <td width=22% style="border:none;border-right:solid white 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">64,416</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">South America</font></font></p>
  </td>
 <td width=22% style="border:none;border-right:solid white 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">57,891</font></font></p>
  </td>
 <td width=22% style="border:none;border-right:solid white 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">54,996</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Rest of Eurasia</font></font></p>
  </td>
 <td width=22% style="border:none;border-right:solid white 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26,805</font></font></p>
  </td>
 <td width=22% style="border:none;border-right:solid white 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">23,257</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=56% style="border:none;border-right:solid white 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Subtotal Assets by Operating Segment</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.0pt;border-top:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">772,485</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=22% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">705,656</font></b></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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Corporate Center and adjustments (1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(18,661)</font></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6,967)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=56% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Assets BBVA Group</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">753,824</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">698,690</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:35.45pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-17.6pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160; Includes balance sheet
intra-group adjustments between the Corporate Center and the operating
segments. </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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table
sets forth information relating to the profit (loss) attributable to parent
company for each of BBVA&#8217;s operating segments and the Corporate Center for the </font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">six months ended June 30, 2020 and June 30, 2019</font><font face="Times New Roman,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_6K_SMSR_4B1B" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=38% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 nowrap valign=bottom width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit/(Loss)
  Attributable to Parent Company</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=38% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 nowrap valign=bottom width=62% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Six months ended
  June 30, </font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=38% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=16% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</font></b></font></p>
  </td>
 <td nowrap width=16% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</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:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</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:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=38% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 nowrap valign=bottom width=32% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td colspan=2 nowrap valign=bottom width=30% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(In percentage)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=38% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Spain</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">88</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">734</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7.0</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24.0</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=38% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">The United States</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.0</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9.7</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=38% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Mexico</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">654</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,287</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">51.9</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">42.1</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=38% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Turkey </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">266</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">282</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21.2</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9.2</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=38% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">South America</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">159</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">404</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12.6</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13.2</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=38% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Rest of Eurasia</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5.3</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.8</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=38% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Subtotal operating segments</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,259</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,058</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">100.0</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">100.0</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=38% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Corporate Center</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,416)</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(616)</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=38% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit attributable to parent company</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,157)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,442</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>




<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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">8</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table
sets forth certain summarized information relating to the income of each operating
segment and the Corporate Center for the six months ended June 30, 2020 and
June 30, 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4B1C" 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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=7 nowrap valign=bottom width=77% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Operating Segments</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td nowrap valign=bottom width=12% style="height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Spain</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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">The United States</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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Mexico</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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Turkey</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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">South America</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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Rest of Eurasia</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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Corporate Center</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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">BBVA Group</font></b></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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 nowrap valign=bottom width=88% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=12% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">June 2020</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=12% style="height:24.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest income</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,793</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,133</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,717</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,534</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,443</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">102</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(69)</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,653</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=12% style="height:24.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gross income</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,900</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,607</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,550</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,957</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,664</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">268</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">98</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,045</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td valign=bottom width=12% style="height:38.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before provisions <sup>(1)</sup></font></font></p>
  </td>
 <td valign=bottom width=11% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,371</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">648</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,349</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,394</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">945</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">131</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(307)</font></font></p>
  </td>
 <td valign=bottom width=11% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,533</font></font></p>
  </td>
 </tr>
<tr style="height:36.75pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Operating profit/(loss) before tax</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">124</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">891</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">715</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">89</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,500)</font></font></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(368)</font></font></p>
  </td>
 </tr>
<tr style="height:48.75pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit/(loss) attributable to parent company</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">88</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">654</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">266</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">159</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,416)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,157)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=12% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">June 2019 (2)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=12% style="height:24.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest income</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,763</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,217</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,042</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,353</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,613</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">85</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(132)</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,941</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=12% style="height:24.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gross income</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,773</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,615</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,901</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,677</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,994</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">220</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(236)</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11,944</font></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td valign=bottom width=12% style="height:38.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before provisions <sup>(1)</sup></font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,145</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">655</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,611</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,084</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,215</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">78</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(718)</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,069</font></font></p>
  </td>
 </tr>
<tr style="height:36.75pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Operating profit/(loss) before tax</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,027</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">363</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,783</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">726</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">847</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">69</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(762)</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,052</font></font></p>
  </td>
 </tr>
<tr style="height:48.75pt;">
  <td valign=bottom width=12% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit/(loss) attributable to parent company</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">734</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,287</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">282</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">404</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(616)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="border:none;border-bottom:solid black 1.0pt;height:48.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,442</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#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:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#160; Restated. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&#8220;Presentation
of Financial Information &#8212;IFRS 9 &#8211; Collection of interest on impaired financial
assets&#8221;.
</font></i></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">9</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following tables set forth information relating to the balance
sheet of the operating segments and the Corporate Center and adjustments as of
June 30, 2020 and December 31, 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4B1D.1" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 nowrap valign=bottom width=73% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of June 30,
  2020</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=27% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 nowrap valign=bottom width=54% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:43.5pt;">
  <td valign=bottom width=27% style="height:43.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Spain</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">The United States</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Mexico</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Turkey </font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">South America</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Rest of Eurasia</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Total Operating
  Segments</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Corporate Center
  and adjustments (1)</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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 valign=bottom width=73% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Assets</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">419,475</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">101,118</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">103,671</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">63,525</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">57,891</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26,805</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">772,485</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(18,661)</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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Cash, cash balances at central banks and other
  demand deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">32,199</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,908</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,562</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,489</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,399</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">310</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66,867</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(991)</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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets designated at fair value (2)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">147,143</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,955</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">33,941</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,712</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,250</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">500</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">202,501</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(7,028)</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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">203,500</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">76,800</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">58,418</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">50,079</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">38,742</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25,688</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">453,227</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3,004)</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=27% style="height:18.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">172,026</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">68,668</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">49,440</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">41,196</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">35,336</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">22,524</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">389,190</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,978)</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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">409,628</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">97,201</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">98,323</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">60,777</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55,559</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25,865</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">747,353</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(43,085)</font></b></font></p>
  </td>
 </tr>
<tr style="height:32.25pt;">
  <td valign=bottom width=27% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial liabilities held for trading and
  designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">97,430</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">459</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,494</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,249</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,943</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">47</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">126,622</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:32.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(8,795)</font></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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial liabilities at amortized cost-
  Customer deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">195,676</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">75,649</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">50,398</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">40,132</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,357</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,567</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">405,779</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3,595)</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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Equity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,847</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,916</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,348</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,748</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,332</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">940</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25,131</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,424</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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Assets under management</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">60,974</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21,271</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,212</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,838</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">518</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">100,813</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=bottom width=27% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Mutual funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">37,635</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">19,359</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,755</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,489</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">63,237</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=27% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Pension funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">23,339</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,457</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,350</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">518</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">35,664</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=27% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other placements</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,912</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,912</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:17.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; Includes balance sheet intra-group adjustments between the
Corporate Center and the operating segments.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:17.85pt;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:8.0pt;">(2)&#160;&#160;
Financial</font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;"> 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>


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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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">10</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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">

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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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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_6K_SMSR_4B1D.2" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td valign=bottom width=24% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 nowrap valign=bottom width=76% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of December 31,
  2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=24% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=6 nowrap valign=bottom width=57% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=10% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:43.5pt;">
  <td valign=bottom width=24% style="height:43.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Spain</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">The United States</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Mexico</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Turkey </font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">South America</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Rest of Eurasia</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Total Operating
  Segments</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="border:none;border-bottom:solid black 1.0pt;height:43.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Corporate Center
  and adjustments (1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 valign=bottom width=76% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Assets</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">365,380</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">88,529</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">109,079</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">64,416</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">54,996</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">23,257</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">705,656</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6,967)</font></b></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td valign=bottom width=24% style="height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Cash, cash balances at central banks and other
  demand deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15,903</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,293</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,489</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,486</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,601</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">247</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">45,019</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(716)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets designated at fair value (2)</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">122,844</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,659</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">31,402</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,268</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,120</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">477</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">173,770</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3,128)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">195,260</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">69,510</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66,180</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">51,285</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">37,869</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">22,233</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">442,336</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3,174)</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td valign=bottom width=24% style="height:18.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">167,332</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">63,162</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">58,081</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">40,500</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">35,701</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">19,669</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">384,445</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,085)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">356,151</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">84,686</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">104,190</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">61,744</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">52,504</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">22,393</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">681,667</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(37,902)</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td valign=bottom width=24% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial liabilities held for trading and
  designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:27.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">78,684</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:27.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">282</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:27.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21,784</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:27.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,184</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:27.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,860</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:27.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">57</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:27.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">104,851</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5,208)</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td valign=bottom width=24% style="height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial liabilities at amortized cost-
  Customer deposits</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">182,370</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">67,525</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55,934</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">41,335</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">36,104</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,708</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:29.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">387,976</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:29.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3,757)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Equity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,229</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,843</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,889</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,672</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,492</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">864</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">23,990</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">30,935</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Assets under management</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66,068</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,464</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,906</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,864</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">500</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">107,803</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td valign=bottom width=24% style="height:17.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Mutual funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:17.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">41,390</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:17.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21,929</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:17.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,460</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:17.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,860</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:17.25pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">68,639</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:17.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Pension funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,678</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,446</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,005</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">500</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">36,630</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td valign=bottom width=24% style="height:18.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other placements</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,534</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:18.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,534</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:17.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; Includes balance sheet intra-group adjustments between the
Corporate Center and the operating segments.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:17.85pt;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:8.0pt;">(2)&#160;&#160;
Financial</font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;"> 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>


<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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">11</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><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 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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">This operating segment
includes all of BBVA&#8217;s banking and non-banking businesses in Spain, other than
those included in the Corporate Center. The primary business units included in this
operating segment are:</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=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 style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Spanish Retail Network</font></i></b></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">: including individual customers, private
banking, small companies and businesses in the domestic market;</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=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 style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Corporate and Business
Banking</font></i></b></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">: which manages small
and medium sized enterprises (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">SMEs</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;), companies and corporations, and
public institutions;</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=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 style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Corporate and
Investment Banking</font></i></b></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">:
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:10.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;"><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 style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other units</font></i></b></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">: which includes the insurance business unit in
Spain (BBVA Seguros), the Asset Management unit (which manages Spanish mutual
funds and pension funds), lending to real estate developers and foreclosed real
estate assets in Spain (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. On April 27, 2020, BBVA reached an
agreement with Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. to create a
bancassurance joint venture in Spain including a long-term exclusive
distribution agreement for the sale of non-life insurance products, excluding
the health insurance line, through BBVA&#8217;s banking network in Spain. BBVA will
transfer its non-life insurance business in Spain, excluding the health
insurance line, to the new joint venture. Excluding a variable part of the
price to be paid by Allianz (which may amount to up to &#8364;100 million related to
achieving specific business goals and certain milestones), it is expected that
the transaction will generate a profit net of taxes amounting to approximately
&#8364;300 million, and that the positive impact on the fully loaded CET1 capital
ratio of the BBVA Group will be approximately 7 basis points. The closing of
the transaction is subject to obtaining the relevant regulatory approvals from
the competent authorities.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Cash,
cash balances at central banks and other demand deposits amounted to &#8364;32,199
million as of June 30, 2020, a 102.5% increase compared with the &#8364;15,903
million recorded as of December 31, 2019, mainly due to an increase in cash
held at the Bank of Spain, with a view to reinforcing the Group&#8217;s cash position
in face of the COVID-19 pandemic. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item 5. Operating and Financial
Review and Prospects&#8213;5A. Operating Results&#8213;Factors Affecting the
Comparability of our Results of Operations and Financial Condition&#8213;The
COVID-19 Pandemic&#8221;</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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;) amounted to &#8364;147,143 million
as of June 30, 2020, a 19.8% increase from the &#8364;122,844 million recorded as of
December 31, 2019, mainly as a result of&nbsp;the increase in derivatives due
to the positive impact of changes in exchange rates on foreign currency
positions recorded under &#8220;Financial assets held for trading&#8221; and, to a lesser
extent, the increase in the volume of reverse repurchase agreements with credit
institutions recorded under &#8220;Financial assets held for trading&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
assets at amortized cost of this operating segment as of June 30, 2020 amounted
to 203,500 million, a 4.2% increase compared with the &#8364;195,260 million recorded
as of December 31, 2019. Within this heading, loans and advances to customers
amounted to &#8364;172,026 million as of June 30, 2020, an increase of 2.8% from the
&#8364;167,332 million recorded as of December 31, 2019, mainly as a result of the
increase in retail and corporate banking credit facilities on the back of the
measures implemented by the Spanish government in light of the COVID-19
pandemic, and increased drawdowns under credit facilities especially in the
first quarter. This increase was partially offset by the decrease in mortgage
loans, which were greatly affected by the coronavirus outbreak. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item 5.
Operating and Financial Review and Prospects&#8213;5A. Operating
Results&#8213;Factors Affecting the Comparability of our Results of Operations
and Financial Condition&#8213;The COVID-19 Pandemic&#8221;</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> for certain
information on the impact of the COVID-19 pandemic on the Group.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
liabilities held for trading and designated at fair value through profit or
loss of this operating segment as of June 30, 2020 amounted to &#8364;97,430 million,
a 23.8% increase compared with the &#8364;78,684 million recorded as of December 31,
2019, mainly as a result of the increase in repurchase agreements with credit
institutions.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Customer deposits at amortized cost
of this operating segment as of June 30, 2020 amounted to &#8364;195,676 million, a
7.3% increase compared with the &#8364;182,370 million recorded as of December 31,
2019 mainly as a result of the increase in demand deposits, </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">due mainly to the shift from
consumption to savings </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">due
to the COVID-19 pandemic.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Off-balance
sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and
&#8220;Pension funds&#8221;) as of June 30, 2020 amounted to &#8364;60,974 million, a 7.7%
decrease compared with the &#8364;66,068 million as of December 31, 2019, mainly due
to the increased volatility and decline in market prices during the period and
the resulting shift towards deposits.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">This operating
segment&#8217;s non-performing loan ratio decreased to 4.3% as of June 30, 2020 from
4.4% as of December 31, 2019, as a result mainly of the increase in wholesale
customer credit facilities toward the end of the first quarter and </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the increase in retail and corporate
banking credit facilities on the back of the measures implemented by the
Spanish government in light of the COVID-19 pandemic in the second quarter. </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">This operating segment&#8217;s non-performing loan
coverage ratio increased to 66% as of June 30, 2020 from 60% as of December 31,
2019, as a result mainly of higher loss allowances made in response to the
COVID-19 pandemic.</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;text-indent:17.85pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The United States</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;">This operating segment includes the Group&#8217;s business in the
United States. BBVA USA accounted for </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">88.8% of this operating segment&#8217;s balance sheet as of June
30, 2020. Given the importance of BBVA USA in this segment, most of the
comments below refer to BBVA USA. 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:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The U.S.
dollar appreciated 0.3% against the euro as of June 30, 2020 compared with
December 31, 2019, positively affecting the business activity of the United
States operating segment as of June 30, 2020 expressed in euros. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item
5. Operating and Financial Review and Prospects&#8213;5A. Operating
Results&#8213;Factors Affecting the Comparability of our Results of Operations
and Financial Condition &#8213;Trends in Exchange Rates&#8221;</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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 June 30, 2020 amounted
to &#8364;6,955 million, a 9.2% decrease from the &#8364;7,659 million recorded as of
December 31, 2019, mainly due to a fall in the volume of U.S. Treasury and
other U.S. government agencies securities and mortgage-backed securities.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
assets at amortized cost of this operating segment as of June 30, 2020 amounted
to &#8364;76,800 million, a 10.5% increase compared with the &#8364;69,510 million recorded
as of December 31, 2019. Within this heading, loans and advances to customers
of this operating segment as of June 30, 2020 amounted to &#8364;68,668 million, a
8.7% increase compared with the &#8364;63,162 million recorded as of December 31,
2019, mainly due to the growth of the commercial portfolio and corporate
banking on the back of measures implemented by the U.S. government in light of
the COVID-19 pandemic, including the Paycheck Protection Program (&#8220;</font><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">PPP</font></b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;)
and the business loan program established by the Coronavirus Aid, Relief, and
Economic Security Act (&#8220;</font><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">CARES Act</font></b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;) (which provides economic assistance
to American workers, families and businesses, and aims to preserve jobs), with
increases in the drawing down of credit facilities, partially offset by the
decrease in consumer loans. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item 5. Operating and Financial Review and
Prospects&#8213;5A. Operating Results &#8213;Factors Affecting the
Comparability of our Results of Operations and Financial Condition&#8213;The
COVID-19 Pandemic</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; for certain information on the impact of the COVID-19
pandemic on the Group.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Customer
deposits at amortized cost of this operating segment as of June 30, 2020
amounted to &#8364;75,649 million, a 12.0% increase compared with the &#8364;67,525 million
recorded as of December 31, 2019, mainly due to an increase in deposits following
the implementation of the PPP, as part of the funds that have been provided to
customers under such program have been invested as deposits.</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;">This operating segment&#8217;s non-performing loan ratio stood at
1.1% as of June 30, 2020 and as of December 31, 2019. The increased commercial
and corporate banking activity toward the end of the first quarter (as a result
of the increase in the availability of credit facilities) was followed by an
increase in non-performing loans in the second quarter. This operating
segment&#8217;s non-performing loan coverage ratio increased to 133% as of June 30,
2020, from 101% as of December 31, 2019, mainly due to higher loss allowances
made in response to the COVID-19 pandemic and, to a lesser extent, certain
specific clients.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mexico</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;">The Mexico operating segment includes the
banking and insurance businesses conducted in Mexico by BBVA Mexico. Since
2018, it also includes BBVA Mexico&#8217;s branch in Houston (which was previously
part of our United States segment). </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;">The Mexican peso depreciated </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">18.2% against the euro as of June 30, 2020
compared with December 31, 2019, negatively affecting the business activity of
the Mexico operating segment as of June 30, 2020 expressed in euros. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;I&nbsp;</font></i></font><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">tem 5. Operating and Financial
Review and Prospects&#8213;</font></i></font><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5A. Operating Results&#8213;Factors Affecting the Comparability of
our Results of Operations and Financial Condition &#8213;Trends in Exchange
Rates&#8221;</font></i></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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 June 30, 2020 amounted
to &#8364;33,941 million, a 8.1% increase from the &#8364;31,402 million recorded as of
December 31, 2019, mainly as a result of the increase in the volume of reverse
repurchase agreements with financial institutions within the trading portfolio,
partially offset by the depreciation of the Mexican peso against the euro.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
assets at amortized cost of this operating segment as of June 30, 2020 amounted
to &#8364;58,418 million, an 11.7% decrease compared with the &#8364;66,180 million
recorded as of December 31, 2019. Within this heading, loans and advances to
customers of this operating segment as of June 30, 2020 amounted to &#8364;49,440
million, a 14.9% decrease compared with the &#8364;58,081 million recorded as of
December 31, 2019, mainly as a result of the depreciation of the Mexican peso
against the euro and the decrease in consumer loans, which were adversely
affected by the coronavirus outbreak, partially offset by the positive
performance of wholesale loans. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item 5. Operating and Financial Review
and Prospects&#8213;5A. Operating Results&#8213;Factors Affecting the
Comparability of our Results of Operations and Financial Condition&#8213;The
COVID-19 Pandemic</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; for certain information on the impact of the COVID-19
pandemic on the Group.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
liabilities held for trading and designated at fair value through profit or
loss of this operating segment as of June 30, 2020 amounted to &#8364;24,494 million,
a 12.4% increase compared with the &#8364;21,784 million recorded as of December 31,
2019, mainly as a result of the increase in the volume of repurchase
agreements, partially offset by the depreciation of the Mexican peso against
the euro.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Customer
deposits at amortized cost of this operating segment as of June 30, 2020
amounted to &#8364;50,398 million, a 9.9% decrease compared with the &#8364;55,934 million
recorded as of December 31, 2019, primarily due to the depreciation of the
Mexican peso against the euro, partially offset by the increase in demand
deposits.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Off-balance
sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and &#8220;Other
placements&#8221;) as of June 30, 2020 amounted to &#8364;21,271 million, a 13.0% decrease
compared with the &#8364;24,464 million as of December 31, 2019, mainly as a result
of the depreciation of the Mexican peso against the euro.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">This operating segment&#8217;s
non-performing loan ratio decreased to 2.2% as of June 30, 2020 from 2.4% as of
December 31, 2019 due mainly to the moratoriums and deferrals plans adopted in
connection with the COVID-19 pandemic, which limited the amount of new entries,
and higher recoveries. This operating segment&#8217;s non-performing loan coverage
ratio increased to 165% as of June 30, 2020 from 136% as of December 31, 2019,
mainly due to higher loss allowances made in response to the COVID-19 pandemic.</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;text-indent:17.85pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Turkey</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">This operating
segment comprises the activities carried out by Garanti BBVA as an integrated
financial services group operating in every segment of the banking sector in
Turkey, including corporate, commercial, SME, payment systems, retail, private
and investment banking, together with its subsidiaries in pension and life
insurance, leasing, factoring, brokerage and asset management, as well as its
international subsidiaries in the Netherlands and Romania.</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;">The Turkish lira depreciated </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">12.9% against the euro as of June 30, 2020
compared to December 31, 2019, negatively affecting the business activity of
the Turkey operating segment as of June 30, 2020 expressed in euros. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;I&nbsp;</font></i></font><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">tem 5. Operating and Financial
Review and Prospects&#8213;</font></i></font><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5A. Operating Results&#8213;Factors Affecting the Comparability of
our Results of Operations and Financial Condition &#8213;Trends in Exchange
Rates&#8221;</font></i></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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 June 30, 2020 amounted to &#8364;5,712 million, a 8.4%
increase from the &#8364;5,268 million recorded as of December 31, 2019, mainly as a
result of the increase in Turkish lira-denominated corporate banking loans as a
result of the recently launched CGF-Credit Guarantee Fund, which is intended to
support SMEs and entrepreneurs and pursuant to which loans are provided with
Turkish Treasury-backed credit guarantees, partially offset by the depreciation
of the Turkish lira. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item 5. Operating and Financial Review and
Prospects&#8213;5A. Operating Results&#8213;Factors Affecting the Comparability
of our Results of Operations and Financial Condition&#8213;The COVID-19
Pandemic&#8221;</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> for certain information on the impact of the COVID-19 pandemic on
the Group.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
assets at amortized cost of this operating segment as of June 30, 2020 amounted
to &#8364;50,079 million a 2.4% decrease compared with the &#8364;51,285 million recorded
as of December 31, 2019. Within this heading, loans and advances to customers
of this operating segment as of June 30, 2020 amounted to &#8364;41,196 million, a
1.7% increase compared with the &#8364;40,500 million recorded as of December 31,
2019, mainly due to the increase in loans denominated in Turkish lira and in
consumer loans (supported by the General Purpose Loans program adopted by the
Turkish government, which intends to mitigate the effects of the COVID-19
pandemic), partially offset by the depreciation of the Turkish lira. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item
5. Operating and Financial Review and Prospects&#8213;5A. Operating
Results&#8213;Factors Affecting the Comparability of our Results of Operations
and Financial Condition&#8213;The COVID-19 Pandemic&#8221;</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> for certain
information on the impact of the COVID-19 pandemic on the Group.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
liabilities held for trading and designated at fair value through profit or
loss of this operating segment as of June 30, 2020 amounted to &#8364;2,249 million,
a 3.0% increase compared with the &#8364;2,184 million recorded as of December 31,
2019, mainly as a result of the increase in derivatives within the trading
portfolio, partially offset by the depreciation of the Turkish lira.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Customer
deposits at amortized cost of this operating segment as of June 30, 2020
amounted to &#8364;40,132 million, a 2.9% decrease compared with the &#8364;41,335 million
recorded as of December 31, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Off-balance
sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and
&#8220;Pension funds&#8221;) as of June 30, 2020 amounted to &#8364;4,212 million, a 7.8%
increase compared with the &#8364;3,906 million as of December 31, 2019, mainly due
to an increase in mutual funds, driven mainly by the decrease in interest
rates, which led customers to seek higher returns through investments in market
funds.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The non-performing
loan ratio of this operating segment stood at 7.0% as of June 30, 2020 and as
of December 31, 2019. This operating segment&#8217;s non-performing loan coverage
ratio increased to 82% as of June 30, 2020 from 75% as of December 31, 2019,
due mainly to higher loss allowances made in response to the COVID-19 pandemic
and, to a lesser extent, certain specific clients in the commercial portfolio</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.</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;text-indent:17.85pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">South America</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;">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:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;page-break-after:avoid;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;">The main business units
included in the South America operating segment are:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:0cm;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:13.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:13.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:13.0pt;">Retail and Corporate
Banking</font></i></b></font><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:13.0pt;">: </font></i></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:13.0pt;">includes banks in Argentina, Colombia, Peru,
Uruguay and Venezuela.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:0cm;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:13.0pt;">&#183;</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:13.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;</font></font><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:13.0pt;">Insurance: </font></i></b></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:13.0pt;">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:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">June 30, 2020, the Argentine peso, the Colombian peso and the
Peruvian sol depreciated against the euro compared to December 31, 2019, by </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">14.6%, 12.5% and 5.7%</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, respectively. Overall, changes in
exchanges rates have negatively affected the business activity of the South
America operating segment as of June 30, 2020 expressed in euros. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;I&nbsp;</font></i></font><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">tem 5. Operating and Financial
Review and Prospects&#8213;</font></i></font><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5A. Operating Results&#8213;Factors Affecting the Comparability of
our Results of Operations and Financial Condition &#8213;Trends in Exchange
Rates&#8221;</font></i></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of
June 30, 2020 and December 31, 2019 the Argentine and Venezuelan economies were
considered to be hyperinflationary as defined by IAS 29 (see &#8220;</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Presentation
of Financial Information&#8212;Changes in Accounting Policies&#8212;Hyperinflationary
economies</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; in our 2019 Form 20-F).</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">On August 7, 2019, BBVA reached an agreement
with Banco GNB Paraguay, S.A., an affiliate of Grupo Financiero Gilinski, for
the sale of our wholly-owned subsidiary Banco Bilbao Vizcaya Argentaria
Paraguay, S.A. (&#8220;</font><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">BBVA Paraguay</font></b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;). The consideration for the acquisition
of BBVA Paraguay&#8217;s shares amounts to approximately $270 million in the
aggregate. The abovementioned consideration is subject to certain adjustments
for matters between the signing and closing dates of the transaction.</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;"> &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;">It is expected that the transaction will result
in a capital gain, net of taxes, of approximately &#8364;20 million and in a positive
impact on the BBVA Group&#8217;s Common Equity Tier 1 (fully loaded) of approximately
6 basis points. The closing of the transaction is subject to obtaining the
relevant regulatory authorizations from the competent authorities.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
assets designated at fair value for 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 June 30, 2020 amounted
to &#8364;8,250 million, a 34.8% increase compared with the &#8364;6,120 million recorded
as of December 31, 2019, attributable in part to the positive evolution of
loans to enterprises.&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial assets at amortized cost of this operating segment as of
June 30, 2020 amounted to &#8364;38,742 million, a 2.3% increase compared with the
&#8364;37,869 million recorded as of December 31, 2019. Within this heading, loans
and advances to customers of this operating segment as of June 30, 2020
amounted to &#8364;35,336 million, a 1.0% decrease compared with the &#8364;35,701 million
recorded as of December 31, 2019, mainly as a result of the depreciation of the
Argentine peso, the Colombian peso and the Peruvian sol, partially offset by
the increase in wholesale loans, particularly in Peru and the increase in
drawdowns in business credit lines in the first quarter. See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item 5.
Operating and Financial Review and Prospects&#8213;5A. Operating
Results&#8213;Factors Affecting the Comparability of our Results of Operations
and Financial Condition&#8213;The COVID-19 Pandemic&#8221;</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> for certain
information on the impact of the COVID-19 pandemic in these regions. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Customer
deposits at amortized cost of this operating segment as of June 30, 2020
amounted to &#8364;39,357 million, a 9.0% increase compared with the &#8364;36,104 million
recorded as of December 31, 2019, mainly as a result of increases in demand
deposits due to the measures established by the respective central banks in the
region in order to inject liquidity into the economies (as part of the funds
provided thereunder have been invested as deposits), and the shift from
consumption to savings due to the COVID-19 pandemic.&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Off-balance
sheet funds of this operating segment (which includes &#8220;Mutual funds&#8221; and
&#8220;Pension funds&#8221;) as of June 30, 2020 amounted to &#8364;13,838 million, a 7.6%
increase compared with the &#8364;12,864 million as of December 31, 2019, mainly due
to the recovery in mutual funds by period end after the temporary outflow of
resources due to market instability during the six months ended June 30, 2020.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
non-performing loan ratio of this operating segment as of June 30, 2020
increased to 4.5% compared with 4.4% as of December 31, 2019, as a result
mainly of the increase in non-performing loans in Peru and Chile due mainly to
the decreased recovery activity due to the COVID-19 pandemic, partially offset
by limited entries as a result of the moratoriums and deferrals plans. This
operating segment&#8217;s non-performing loan coverage ratio increased to 108% as of
June 30, 2020, from 100% as of December 31, 2019, mainly due to an increase in
the balance of provisions in Colombia and Peru in response to the COVID-19
pandemic.</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;text-indent:17.85pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Rest of Eurasia</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;">This operating segment includes the retail and wholesale
banking businesses carried out by the Group in Europe and Asia, </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">except for those businesses
comprised in our Spain and Turkey operating segments. In particular, the
Group&#8217;s activity in Europe is carried out through banks and financial
institutions in Switzerland, Italy, Germany and Finland and branches in
Germany, Belgium, France, Italy, Portugal and the United Kingdom. The Group&#8217;s
activity in Asia is carried out through branches (in Taipei, Tokyo, Hong Kong,
Singapore and Shanghai) and representative offices (in Beijing, Seoul, Mumbai,
Abu Dhabi and Jakarta).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial
assets designated at fair value for 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 June 30, 2020 amounted
to &#8364;</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">500</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> million, a </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4.6</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">% increase compared with the &#8364;477 million recorded as of December
31, 2019.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Financial assets at amortized cost of this
operating segment as of June 30, 2020 amounted to &#8364;</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">25,688</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> million, a </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">15.5</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">%
increase compared with the &#8364;22,233 million recorded as of December 31, 2019.
Within this heading, loans and advances to customers of this operating segment
as of June 30, 2020 amounted to &#8364;</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">22,524</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">
million, a </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">14.5</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">% increase compared with the &#8364;19,669
million recorded as of December 31, 2019, mainly as a result of increased
corporate and investment banking business </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">in the rest of Europe.</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> See </font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item 5. Operating and Financial Review
and Prospects&#8213;5A. Operating Results&#8213;Factors Affecting the
Comparability of our Results of Operations and Financial Condition&#8213;The
COVID-19 Pandemic&#8221;</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> for certain information on the impact of the COVID-19
pandemic on the Group.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Customer
deposits at amortized cost of this operating segment as of June 30, 2020
amounted to &#8364;</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4,567</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> million, </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">a 3.0% decrease</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> compared with the &#8364;4,708 million recorded as
of December 31, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Pension
funds in this operating segment as of June 30, 2020 amounted to &#8364;</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">518</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> million, a </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">3.5% increase</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> compared with the &#8364;500 million recorded as of
December 31, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The non-performing
loan ratio of this segment as of June 30, 2020 decreased to 0.8% from 1.2% as
of December 31, 2019, mainly due to the increase in the availability of credit
facilities toward the end of the first quarter and the decrease in corporate
and investment banking non-performing loans. This operating segment&#8217;s
non-performing loan coverage ratio increased to 126% as of June 30, 2020, from
98% as of December 31, 2019.</font></font></p>

<h2 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4E. Selected Statistical
Information</font></b></font></h2>

<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;">The following is a presentation of selected
statistical information for the periods indicated. Where required under
Industry Guide 3, we have provided such selected statistical information
separately for our domestic and foreign activities, pursuant to our
determination, where applicable, that our foreign operations are significant
according to Rule 9-05 of Regulation S-X. The allocation of assets and
liabilities is based on the domicile of the Group entity at which the relevant
asset or liability is accounted for. Domestic balances are those of Group
entities domiciled in Spain, which reflect our domestic activities, and
international balances are those of the Group entities domiciled outside of
Spain, which reflect our foreign activities.</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;">Certain financial information as of and for the
six months ended June 30, 2019 has been restated for comparability purposes. See
</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Presentation of Financial Information</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.&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:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Interest income figures, when used, do not include
interest income on non-accruing loans to the extent that cash payments have
been received, as a result of the IFRIC interpretation on IFRS 9 &#8220;Collection of
interest on impaired financial assets&#8221;. See </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Presentation of Financial
Information&#8212;IFRS 9 &#8211; Collection of interest on impaired financial assets&#8221;</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. Loan
fees are included in the computation of interest revenue. Interest income
figures include &#8220;other income&#8221;, which amounted to &#8364;214 million and &#8364;143 million
for the six months ended June 30, 2020 and 2019, respectively. For additional
information on &#8220;interest and other income&#8221; see Note 32 to our Unaudited
Condensed Interim Consolidated Financial Statements.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">17</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Average Balances and Rates</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;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;">The tables below set forth selected statistical information on our
average balance sheets, which are based on the beginning and month-end balances
in each period. We do not believe that monthly averages present trends
materially different from those that would be presented by daily averages. </font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_Finance_4E1.1" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=6 nowrap valign=bottom width=64% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Balance
  Sheet - Assets and Interest from Earning Assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=35% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Six Months Ended
  June 30, 2020</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=29% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Six Months Ended
  June 30, 2019 (1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=36% style="background:white;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=13% style="background:white;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Balance</font></b></font></p>
  </td>
 <td valign=bottom width=13% style="background:white;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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Interest</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="background:white;border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Yield (2)</font></b></font></p>
  </td>
 <td valign=bottom width=9% style="background:white;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Balance</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="background:white;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Interest</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="background:white;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Yield (2)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=6 nowrap valign=bottom width=64% style="background:white;border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros, Except Percentages)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Assets</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Cash and balances with central banks and other
  demand deposits</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">53,322</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">50</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.19%</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">48,217</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">135</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.57%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">23,830</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.05% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">17,386</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">27</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.32%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">29,492</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">44</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.30% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">30,831</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">108</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.71%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Debt securities and derivatives</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">203,544</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,193</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.17%</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">177,847</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,803</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.20%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">131,045</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">512</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.79% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">106,173</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">537</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.03%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">72,499</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,681</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.67% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">71,674</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,266</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6.41%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">431,485</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,769</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5.03%</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">412,351</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,560</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6.18%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,811</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">80</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.36% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,023</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">146</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5.90%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">41,022</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">281</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.38% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">28,492</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">408</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.90%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">385,653</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,409</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5.44% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">378,837</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,006</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6.43%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160; In euros</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">181,271</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,613</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.79% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">181,750</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,708</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.91%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">172,533</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,586</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.85% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">157,350</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,673</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.16%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,738</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">27</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.61% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,400</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">36</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.30%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160;&#160;&#160;&#160; In other currency</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">204,382</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,796</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8.67% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">197,087</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,298</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10.60%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">23,213</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">278</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.42% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,396</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">304</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.76%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 29.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">181,168</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,517</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9.47% </font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">180,691</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,994</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11.22%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other assets (3)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">40,845</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">215</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.06%</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">46,563</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">135</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.59%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total average assets (4)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">729,196</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,228</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.65%</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">684,978</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15,633</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.63%</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1) &#160;&#160;Restated. See &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Presentation of Financial
Information&#8212;IFRS 9 &#8211; Collection of interest on impaired financial assets</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&#8221;.&nbsp;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#160; Rates have been presented on a non-taxable equivalent
basis.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3) &#160;Includes &#8220;Derivatives - Hedge accounting&#8221;, &#8220;Fair value
changes of the hedged items in portfolio hedges of interest rate risk&#8221;, &#8220;Joint
ventures and associates&#8221;, &#8220;Insurance and reinsurance assets&#8221;, &#8220;Tangible
assets&#8221;, &#8220;Intangible assets&#8221;, &#8220;Tax assets&#8221;, &#8220;Other assets&#8221; and &#8220;Non-current
assets and disposal groups classified as held for sale&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(4)&#160; &#160;Foreign activity
represented 39.81% of the total average assets for the six months ended June
30, 2020 and 46.09% for the six months ended June 30, 2019.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">18</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_21"></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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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_6K_Finance_4E1.2" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=6 rowspan=2 valign=bottom width=66% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Balance
  Sheet - Liabilities and Interest Paid on Interest Bearing Liabilities</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=33% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Six Months Ended
  June 30, 2020</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=33% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Six Months Ended
  June 30, 2019 </font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=34% style="background:white;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Balance</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Interest</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Yield (1)</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Balance</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Interest</font></b></font></p>
  </td>
 <td valign=bottom width=11% style="background:white;border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Average Yield (1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=6 nowrap valign=bottom width=66% style="background:white;border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros, Except Percentages)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Deposits from central banks and credit
  institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">67,430</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">924</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.76% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">62,299</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,057</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.44% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Customer deposits </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">391,586</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,248</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.16% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">375,513</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,733</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.02% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160;&#160; In euros</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">189,944</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">160</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.17% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">183,761</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">101</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.11% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">180,970</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">157</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.18% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">158,754</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">96</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.12% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,974</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.06% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25,008</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.04% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160;&#160; In other currency</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">201,643</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,088</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.08% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">191,752</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,632</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.84% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11,406</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">80</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.41% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,837</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">127</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.92% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">190,237</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,008</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.12% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">182,915</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,505</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.89% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Debt certificates </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">78,476</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">828</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.12% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">76,494</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">962</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.55% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other liabilities (2)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">139,608</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">574</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.83% </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">116,478</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">940</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.64% </font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total average liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">677,101</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,574</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.36% </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">630,784</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,691</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.15% </font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Equity</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">52,095 </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">54,194 </font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=34% style="background:white;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total average liabilities and equity (3)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;border:none;border-bottom:double black 2.25pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">729,196</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;border:none;border-bottom:double black 2.25pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,574</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;border:none;border-bottom:double black 2.25pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.26%</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;border:none;border-bottom:double black 2.25pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">684,978</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;border:none;border-bottom:double black 2.25pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,691</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="background:white;border:none;border-bottom:double black 2.25pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.98%</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; Rates have been presented on a non-taxable equivalent
basis.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160; &#160;Includes &#8220;Financial liabilities held for trading&#8221;, &#8220;Derivatives
- Hedge accounting&#8221;, &#8220;Fair value changes of the hedged items in portfolio
hedges of interest rate risk&#8221;, &#8220;Liabilities under insurance and reinsurance
contracts&#8221;, &#8220;Provisions&#8221;, &#8220;Tax liabilities&#8221;, &#8220;Other liabilities&#8221;, &#8220;Liabilities
included in disposal groups classified as held for sale&#8221;.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160; Foreign activity
represented 37.63% of the total average liabilities for the six months ended
June 30, 2020 and 47.94% for the six months ended June 30, 2019.</font></font></p>

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

<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:8.0pt;">&nbsp;</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">19</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_22"></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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Changes in Net Interest Income-Volume and Rate
Analysis</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The following tables
allocate changes in our net interest income between changes in volume and
changes in rate for the six months ended June 30, 2020 compared with the six
months ended June 30, 2019 and the six months ended June 30, 2019 compared with
the six months ended June 30, 2018. Volume and rate variance have been
calculated based on movements in average balances over the period and changes
in interest rates on average interest-earning assets and average
interest-bearing liabilities. The only out-of-period items and adjustments
excluded from the following tables are interest payments on loans which are
made in a period other than the period in which they are due. </font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_Finance_4E2.1" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=57% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30, 2020/June 30, 2019 (1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=57% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Increase
  (Decrease) Due To Changes In</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Volume (2)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Rate&#160; (3)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Net Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=57% style="background:white;border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Interest income</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Cash and balances with central banks</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(99)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(84)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Securities portfolio and derivatives</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">406</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,014)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(608)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(60)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(66)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">180</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(306)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(126)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">217</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,817)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,601)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; In euros</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(4)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(47)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(51)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">158</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(199)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(41)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(23)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; In other currencies</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">384</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,932)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,548)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">127</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(152)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(25)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">27</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,551)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,525)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other assets</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(17)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">96</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">79</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total income </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,405)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Interest expense</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Deposits from central banks and credit
  institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">87</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(220)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(133)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Customer deposits </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">160</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,644)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,484)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; In euros</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">59</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">47</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">61</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; In other currencies</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">188</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,731)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,543)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">37</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(84)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(47)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">141</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,636)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,495)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Debt certificates </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(160)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(135)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other liabilities</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">187</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(553)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(365)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total expense</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,117)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=43% style="background:white;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest income</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(288)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160; 2019 information has been restated. See </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&#8220;Presentation
of Financial Information&#8212;IFRS 9 &#8211; Collection of interest on impaired financial
assets&#8221;.</font></i></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160; The volume effect is calculated as the result of the
average interest rate of the earlier period multiplied by the difference
between the average balances of both periods.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160; The rate effect is
calculated as the result of the average balance of the earlier period
multiplied by the difference between the average interest rates of both
periods.</font></font></p>

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

<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:8.0pt;">&nbsp;</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">20</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_23"></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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_6K_Finance_4E2.2" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=57% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30, 2019 (1)/June 30, 2018</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=57% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Increase
  (Decrease) Due To Changes In</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Volume (2)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Rate&#160; (3)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Net Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap valign=bottom width=57% style="background:white;border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Interest income</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Cash and balances with central banks</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">67</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">80</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Securities portfolio and derivatives</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(60)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">610</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">551</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to central banks</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(32)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">56</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to credit institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">38</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">43</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">81</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans and advances to customers</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(246)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">649</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">403</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; In euros</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(21)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">52</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">31</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(151)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">182</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">32</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">130</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(130)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; In other currencies</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(292)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">663</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">371</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">38</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">38</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">76</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(330)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">625</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">296</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other assets</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">76</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">76</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=43% style="background:white;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total income </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,215</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Interest expense</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Deposits from central banks and credit
  institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(92)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(83)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Customer deposits </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">190</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">204</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; In euros</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(71)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(66)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(9)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(55)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(65)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(16)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; In other currencies</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(76)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">345</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">269</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Domestic</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(7)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">83</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">77</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Foreign</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(69)</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">262</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">193</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Debt certificates </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(23)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">124</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">100</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=43% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other liabilities</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">637</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">643</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=43% style="background:white;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total expense</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">863</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=43% style="background:white;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest income</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">351</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1) &#160;&#160;Restated. See &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Presentation of Financial
Information&#8212;IFRS 9 &#8211; Collection of interest on impaired financial assets</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&#8221;.&nbsp;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2) &#160;The volume effect is calculated as the result of the
average interest rate of the earlier period multiplied by the difference
between the average balances of both periods.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3) &#160;The rate effect is
calculated as the result of the average balance of the earlier period
multiplied by the difference between the average interest rates of both
periods.</font></font></p>

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

<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:8.0pt;">&nbsp;</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Interest Earning Assets&#8212;Margin and Spread</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table
analyzes the levels of our average earning assets and illustrates the
comparative gross and net yields and spread obtained for each of the periods
indicated.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E3" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=62% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 valign=bottom width=38% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Six months ended
  June 30,</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=62% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</font></b></font></p>
  </td>
 <td valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019 (1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=62% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 valign=bottom width=38% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros, except %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Average interest earning assets </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">688,351</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">638,415</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gross yield (2) </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.9%</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.4%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net yield (3) </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.8%</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.3%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest margin (4) </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.3%</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.4%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Average effective rate paid on all
  interest-bearing liabilities </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.9%</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.3%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Spread (5) </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.1%</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.1%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160;&#160; Restated. See &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Presentation of Financial
Information&#8212;IFRS 9 &#8211; Collection of interest on impaired financial assets</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&#8221;.&nbsp;</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#160; &#8220;Gross yield&#8221; represents total interest income divided
by average interest earning assets.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160; &#8220;Net yield&#8221; represents total interest income divided
by total average assets.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(4)&#160;&#160; &#8220;Net interest margin&#8221; represents net interest income
as percentage of average interest earning assets.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(5)&#160;&#160; Spread is the difference
between &#8220;Gross yield&#8221; and the &#8220;Average effective rate paid on interest-bearing
liabilities&#8221;.</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">22</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:12.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">ASSETS</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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Interest-Bearing
Deposits in Other Banks</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of June 30, 2020, interbank deposits
(excluding deposits with central banks) represented 5.3% of our total assets.
Of such interbank deposits, 15.2% were held outside of Spain and 84.8% in
Spain. We believe that our deposits are generally placed with highly rated
banks and have a lower risk than many loans we could make in Spain. However,
such deposits are subject to the risk that the deposit banks may fail or the
banking system of certain of the countries in which a portion of our deposits
are made may face liquidity or other problems.</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;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Securities
Portfolio</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of June 30, 2020, our total securities
portfolio (consisting of investment securities and loans and advances) was
carried on our consolidated balance sheet at a carrying amount (equivalent to
its market or appraised value as of such date) of &#8364;140,138 million,
representing 18.6% of our total assets. &#8364;36,397 million, or 26.0%, of our
securities portfolio consisted of Spanish Treasury bonds and Treasury bills.
The average yield during the six months ended June 30, 2020 on the investment
securities that BBVA held was 2.2%, compared with an average yield of
approximately 3.5% earned on loans and advances during the six months ended
June 30, 2020. See Notes 9 and 12 to our Unaudited Condensed Interim
Consolidated Financial Statements for additional information.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The first table in
Note 12.3 to our Unaudited Condensed Interim Consolidated Financial Statements
sets forth the fair value and the amortized cost of our debt securities
recorded under&nbsp;&#8220;Financial assets at fair value through other comprehensive
income&#8221; as of June 30, 2020 and December 31, 2019. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">This information is
not provided for debt securities recorded under &#8220;Financial assets held for
trading&#8221;, &#8220;Non-trading financial assets mandatorily at fair value through
profit or loss&#8221; and &#8220;Financial assets designated at fair value through profit
or loss&#8221; since the amortized costs and fair values of these items are the same.
See Note 7 to our Unaudited Condensed Interim Consolidated Financial
Statements.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The second table in
Note 12.3 to our Unaudited Condensed Interim Consolidated Financial Statements
shows the fair value of debt securities recorded, as of June 30, 2020 and
December 31, 2019, under &#8220;Financial assets at fair value through other
comprehensive income&#8221; by rating categories defined by external rating agencies.
</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The table
in Note 12.2 to our Unaudited Condensed Interim Consolidated Financial
Statements sets forth the fair value and the amortized cost of our equity
instruments recorded under &#8220;Financial assets at fair value through other
comprehensive income&#8221; as of June 30, 2020 and December 31, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Readers are directed
to the tables and Notes referred to above for information regarding our
securities portfolio.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">For a discussion of
our investments in joint ventures and associates, see Note 15 to our Unaudited
Condensed Interim Consolidated Financial Statements. For a discussion of the
manner in which we value our securities, see Notes 2.2.1 and 8 to our
Consolidated Financial Statements.</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;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans
and Advances </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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">See &#8220;</font></font><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item 5. Operating and Financial Review and
Prospects&#8213;5A. Operating Results</font></i></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8213;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Factors Affecting the Comparability of our
Results of Operations and Financial Condition&#8213;The COVID-19 Pandemic</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;
and Note 6.2 to our Unaudited Condensed Interim Consolidated Financial Statements
for information on how the Group&#8217;s loan activity has been affected by the
COVID-19 pandemic. </font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans and Advances to Credit Institutions and
Central Banks</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of June 30, 2020, our total loans
and advances to credit institutions and central banks amounted to &#8364;45,194
million, or 6.0% of total assets, of which total loans and advances to credit
institutions and central banks at amortized cost amounted to &#8364;19,651 million,
or 2.6% of total assets. Net of our loss allowance, total loans and advances to
credit institutions and central banks at amortized cost amounted to &#8364;19,615
million as of June 30, 2020, or 2.6% of total assets.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans
and Advances to Customers</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of June 30, 2020, our total loans
and advances to customers amounted to &#8364;413,498 million, or 54.9% of total
assets. Net of our loss allowance, total loans and advances to customers
amounted to &#8364;399,946 million as of June 30, 2020, or 53.1% of our total assets.
As of June 30, 2020 our total loans and advances to customers in Spain amounted
to &#8364;170,585 million. Our total loans and advances to customers outside Spain
amounted to &#8364;242,913 million as of June 30, 2020.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;">Loans by Geographic Area</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table
shows our net loans and advances to customers as of the dates indicated:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E431.1" style="border-collapse:collapse;width:100%;">
 <tr style="height:22.5pt;">
  <td nowrap valign=bottom width=41% style="height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30,
  2020</font></b></font></p>
  </td>
 <td valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of December 31,
  2019</font></b></font></p>
  </td>
 <td valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30,
  2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=41% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</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 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap width=59% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Domestic </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">170,585</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">165,032</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">169,774</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Western Europe</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">32,007</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">31,483</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">29,722</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The United States</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">70,096</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">64,395</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">61,152</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mexico</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">53,137</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">61,455</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">57,735</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Turkey</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">41,067</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">40,230</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">38,790</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">South America</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,217</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,091</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,845</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,388</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,677</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,728</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=41% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">242,913</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">243,332</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">232,972</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=41% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total loans and advances</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">413,498</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">408,364</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;border:none;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">402,747</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=41% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loss allowances</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(13,552)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(12,402)</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(12,151)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=41% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total net lending (1)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">399,946</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">395,962</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:white;border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">390,596</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160; Includes loans and advances to
customers included in the following headings: &#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 amortized cost&#8221;, net of loss allowances.
</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">24</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_27"></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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;font-weight:normal;">Loans
by Type of Customer</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table
shows our net loans and advances to customers at each of the dates indicated.
The classification by type of customer is based principally on regulatory
authority requirements in the country where the branch office that issued the
loan is located:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E431.2" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td nowrap valign=bottom width=43% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30, </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of December 31,
  </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30, </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=43% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=43% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Domestic</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Government </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,424</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14,477</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,063</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Agriculture </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,264</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,224</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,198</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Industrial </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14,844</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,982</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14,513</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Real estate and construction </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,142</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,567</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,915</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=top width=43% style="height:13.5pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commercial and financial </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,757</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,192</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,104</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=top width=43% style="height:13.5pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans to individuals(1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">96,720</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">96,735</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">98,790</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">20,434</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,855</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,191</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total Domestic</font></b></font></p>
  </td>
 <td width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">170,585</font></b></font></p>
  </td>
 <td width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">165,032</font></b></font></p>
  </td>
 <td width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">169,774</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Government </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14,332</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14,840</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,995</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Agriculture </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,488</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,533</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,758</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=top width=43% style="height:13.5pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Industrial </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">47,588</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">43,408</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">42,490</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=43% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Real estate and construction </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21,723</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">20,814</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">18,796</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=top width=43% style="height:13.5pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commercial and financial </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,481</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">41,406</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,899</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=top width=43% style="height:14.25pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans to individuals(1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">77,369</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">85,324</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">81,841</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=top width=43% style="height:13.5pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other </font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,932</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">35,007</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">33,193</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=top width=43% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">242,913</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">243,332</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">232,972</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=43% style="height:27.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total Loans and Advances</font></b></font></p>
  </td>
 <td nowrap width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">413,498</font></b></font></p>
  </td>
 <td nowrap width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">408,364</font></b></font></p>
  </td>
 <td nowrap width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">402,747</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td valign=top width=43% style="height:15.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loss allowances</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(13,552)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(12,402)</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(12,151)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td valign=top width=43% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total net lending(2)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">399,946</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">395,962</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:white;border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">390,596</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1) &#160;Includes
mortgage loans to households for the acquisition of housing.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160; Includes loans and advances to
customers included in the following headings: &#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 amortized cost&#8221;, net of loss allowances. </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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table
sets forth a breakdown, by currency, of our net loans and advances to customers
as of June 30, 2020, December 31, 2019 and June 30, 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E431.3" style="border-collapse:collapse;width:100%;">
 <tr style="height:40.5pt;">
  <td nowrap valign=bottom width=41% style="height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of June 30,
  2020</font></b></font></p>
  </td>
 <td valign=bottom width=21% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of December 31,
  2019</font></b></font></p>
  </td>
 <td valign=bottom width=21% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of June 30,
  2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=41% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap width=59% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td nowrap valign=bottom width=41% style="height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=21% style="height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=21% style="height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=41% style="height:15.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In euros</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">197,174</font></font></p>
  </td>
 <td nowrap valign=bottom width=21% style="background:white;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">191,083</font></font></p>
  </td>
 <td nowrap valign=bottom width=21% style="background:white;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">194,195</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=41% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In other currencies</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">202,772</font></font></p>
  </td>
 <td nowrap valign=bottom width=21% style="background:white;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">204,879</font></font></p>
  </td>
 <td nowrap valign=bottom width=21% style="background:white;border:none;border-bottom:solid black 1.0pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">196,401</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=41% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total net lending (1)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">399,946</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=21% style="background:white;border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">395,962</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=21% style="background:white;border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">390,596</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1) &#160;Includes loans and advances to
customers included in the following headings: &#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 amortized cost&#8221;, net of loss allowances. </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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">25</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_28"></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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:28.05pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of June 30, 2020, total loans and
advances by BBVA and its subsidiaries to associates and jointly controlled
companies amounted to &#8364;1,909 million, compared with &#8364;1,682 million as of
December&nbsp;31, 2019. Loans and advances outstanding to the Spanish
government and its agencies amounted to &#8364;13,424 million, or 3.2% of our total
loans and advances to customers as of June 30, 2020, compared with &#8364;14,477
million, or 3.5% of our total loans and advances to customers as of December
31, 2019. We also make loans to companies controlled by the Spanish government,
but none of our loans to companies controlled by the Spanish government are
guaranteed by the government and, accordingly, we apply normal credit criteria
in extending credit to such entities. Moreover, we carefully monitor such loans
because governmental policies necessarily affect such borrowers.</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:28.05pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Diversification in our loan portfolio is our principal
means of reducing the risk of loan losses. We also carefully monitor our loans
to borrowers in sectors or countries experiencing liquidity problems. Our
exposure to our five largest borrowers as of</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> March 31, 2020 (which is the latest available information)
excluding government-related loans, amounted to &#8364;16,849 million or
approximately 4.2% of our total outstanding loans and advances. As of March 31,
2020 (which is the latest available information) there did not exist any
concentration of loans exceeding 10% of our total outstanding loans and
advances, other than by category as disclosed above.</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;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Maturity
and Interest Sensitivity</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:28.05pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table sets forth a breakdown by
maturity of our total loans and advances to customers by domicile of the branch
office that issued the loan and the type of customer as of June 30, 2020. The
determination of maturities is based on contract terms.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_Consolidacion_4E432.1" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=39% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Maturity</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:50.25pt;">
  <td nowrap valign=bottom width=39% style="height:50.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:50.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Due In One Year or
  Less</font></b></font></p>
  </td>
 <td valign=bottom width=18% style="border:none;border-bottom:solid black 1.0pt;height:50.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Due After One Year
  Through Five Years</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:50.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Due After Five
  Years</font></b></font></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:solid black 1.0pt;height:50.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=39% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 valign=bottom width=61% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Domestic</font></b></font></p>
  </td>
 <td valign=top width=15% style="height:12.75pt;padding:0cm 0cm 0cm 9.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=18% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:4.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:4.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Government </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,446</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,013</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,964</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,424</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Agriculture </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">388</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">657</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">219</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,264</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Industrial </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,458</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,929</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,457</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14,844</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Real estate and construction </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,102</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,186</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,853</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,142</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commercial and financial </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,257</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,875</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,625</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,757</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans to individuals </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,658</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,512</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">59,550</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">96,720</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,121</font></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,088</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,225</font></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">20,434</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=top width=39% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total Domestic</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,431</font></b></font></p>
  </td>
 <td valign=bottom width=18% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">56,261</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">74,893</font></b></font></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">170,585</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=top width=39% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Government </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,459</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,145</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,727</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14,332</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Agriculture </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,291</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">897</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">300</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,488</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Industrial </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21,731</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">18,768</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,089</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">47,588</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Real estate and construction </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,317</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,338</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,067</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21,723</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Commercial and financial </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25,399</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,871</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,211</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,481</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans to individuals </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,400</font></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">27,308</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,661</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">77,369</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=39% style="height:12.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other </font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,722</font></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">19,495</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,714</font></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,932</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=top width=39% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total Foreign</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">79,320</font></b></font></p>
  </td>
 <td valign=bottom width=18% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">90,824</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">72,770</font></b></font></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:double black 2.25pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">242,913</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td valign=top width=39% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total loans and advances (1)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double black 2.25pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">118,750</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=18% style="border:none;border-bottom:double black 2.25pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">147,084</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:double black 2.25pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">147,663</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="border:none;border-bottom:double black 2.25pt;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">413,498</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1) &#160;&#160;Includes loans and advances to
customers included in the following headings: &#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 amortized cost&#8221;.</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">26</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loss allowances on Loans and Advances</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For a discussion of loan loss reserves, see </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item
5. Operating and Financial Review and Prospects&#8212;Critical Accounting
Policies&#8212;Financial instruments&#8221; </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">in our 2019 Form 20-F. For a discussion of
accounting standards related to loss allowances on financial assets and credit
loss, see Note 6.2.1 to our </font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Unaudited Condensed
Interim Consolidated Financial Statements and </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Note 2.2.1 to our
Consolidated Financial Statements.</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 color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
following table provides information regarding our loan loss reserve and
movements of loan charge-offs and recoveries for the periods indicated.
Information as of June 30, 2020 and December 31, 2019 refers to customers,
central banks and credit institutions and information as of June 30, 2019
refers to customers and credit institutions.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E44" style="border-collapse:collapse;width:100%;">
 <tr style="height:35.25pt;">
  <td nowrap valign=bottom width=45% style="height:35.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=20% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;&#160; As of and for
  the six months ended June 30,</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160;As of and for the
  Year Ended December 31,</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&#160; As of and for the
  six months ended June 30,</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=45% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=20% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2020</font></b></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2019</font></b></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=45% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap width=55% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loan loss reserve at beginning of period:</font></b></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,931</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,774</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,774</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=45% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></font></p>
  </td>
 <td nowrap width=20% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,496</font></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,437</font></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,437</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Loan loss reserve at beginning of period</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,427</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,211</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,211</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans charged off: (1)</font></b></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total domestic</font></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(201)</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,006)</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(552)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=45% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total foreign </font></font></p>
  </td>
 <td nowrap width=20% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(779)</font></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,250)</font></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(809)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Loans charged off</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(981)</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3,256)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,361)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Provision for loan losses:</font></b></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic </font></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">917</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">764</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">307</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=45% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign </font></font></p>
  </td>
 <td nowrap width=20% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,736</font></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,560</font></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,665</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Provision for loan losses</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,654</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,324</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,972</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Effect of foreign currency translation</font></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(953)</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(20)</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(81)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=45% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=20% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(559)</font></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(832)</font></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(566)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,512)</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(852)</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(647)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loan loss reserve at end of period:</font></b></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=45% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></font></p>
  </td>
 <td nowrap width=20% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,403</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,931</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5,291</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=45% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></font></p>
  </td>
 <td nowrap width=20% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,184</font></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,496</font></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,883</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=45% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Loan loss reserve at end of period</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,588</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,427</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,174</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=45% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loan loss reserve as a percentage of loans and
  advances at amortized cost at end of period</font></b></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.34%</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.10%</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.09%</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td width=45% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net loan charge-offs as a percentage of loans
  and advances at amortized cost at end of period</font></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.24%</font></b></font></p>
  </td>
 <td nowrap width=17% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.81%</font></b></font></p>
  </td>
 <td nowrap width=18% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.35%</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;text-indent:17.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; Domestic</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;"> loans charged off were mainly related to
the 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">When the recovery of any recognized amount is
considered to be remote, this amount is removed from the consolidated balance
sheet, without prejudice to any actions taken by the consolidated entities in
order to collect the amount until their rights extinguish in full through
expiry, forgiveness 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The loans charged off amounted to &#8364;981 million during the
six months ended June 30, 2020 compared with &#8364;3,256 million during the year ended
December 31, 2019 and &#8364;1,361 million during the six months ended June 30, 2019,
as a result mainly of the decrease in loans charged off in Spain, in part due
to moratorium measures for bank customers adopted in light of COVID-19.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Our loan loss reserves as a percentage of total loans and
advances decreased to 3.34% as of June 30, 2020 from 3.10% as of December 31,
2019.</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;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Impaired
Loans</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Loans are considered to be credit-impaired under
IFRS 9 if one or more events have occurred and they have a detrimental impact
on the estimated future cash flows of 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Amounts collected in relation to impaired financial assets
at amortized cost are used to recognize the related accrued interest and any
excess amount is used to reduce the unpaid principal. The approximate amount of
interest income on our impaired loans which was included in profit attributable
to parent company </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">for
the six months ended June 30</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, 2020
and 2019 was &#8364;150 million and &#8364;168 million, 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table
provides information regarding our impaired loans of customers, central banks
and credit institutions as of the dates indicated:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E45" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=36% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=30% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of June 30,
  2020</font></b></font></p>
  </td>
 <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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of December 31,
  2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=36% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=64% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impaired loans</font></b></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic</font></b></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,007</font></b></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,104</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Public sector</font></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">76</font></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">86</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other resident sector</font></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,931</font></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,018</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></b></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,636</font></b></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,855</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Public sector</font></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1</font></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other non-resident sector</font></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,634</font></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,853</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total impaired loans</font></b></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15,643</font></b></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15,959</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total loan loss reserve</font></b></font></p>
  </td>
 <td nowrap width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(13,588)</font></b></font></p>
  </td>
 <td nowrap width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(12,427)</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td nowrap width=36% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impaired loans net of reserves</font></b></font></p>
  </td>
 <td nowrap width=30% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,055</font></b></font></p>
  </td>
 <td nowrap width=34% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,533</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=36% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impaired loans as a percentage of loans and
  advances at amortized cost</font></b></font></p>
  </td>
 <td nowrap width=30% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.85%</font></b></font></p>
  </td>
 <td nowrap width=34% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.99%</font></b></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=36% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impaired loans (net of reserve) as a
  percentage of loans and advances at amortized cost</font></b></font></p>
  </td>
 <td nowrap width=30% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.51%</font></b></font></p>
  </td>
 <td nowrap width=34% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.88%</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Our total impaired loans
amounted to &#8364;15,643 million as of June 30, 2020, a 2.0% decrease compared with
&#8364;15,959 million as of December 31, 2019. This decrease was mainly attributable to
</font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">the reduction in impaired loans to the public sector </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">and,
to a lesser extent, in loans to households, as a result mainly of the moratorium
measures for bank customers adopted in light of COVID-19 which led to
reclassifications from impaired loans to non-impaired loans.</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;"> &nbsp;</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Our loan loss reserve includes loss reserve for
impaired assets and loss reserve for unimpaired assets which present an expected
credit loss. As of June 30, 2020, the loan loss reserve amounted to &#8364;13,588
million, a 9.3% increase compared with the &#8364;12,427 million recorded as of
December 31, 2019, mainly due to the deterioration of macroeconomic conditions
due to the negative effects of the COVID-19 pandemic.
</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">28</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_31"></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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following tables provide information regarding impaired loans to
customers, central banks and credit institutions recorded under &#8220;Financial
assets at amortized cost&#8221; and accumulated impairment taken for each loan
category, as of June 30, 2020, by type of customer:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E45.2" style="border-collapse:collapse;width:100%;">
 <tr style="height:60.75pt;">
  <td nowrap valign=bottom width=42% style="height:60.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=24% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impaired Loans</font></b></font></p>
  </td>
 <td valign=bottom width=17% style="border-bottom:solid black 1.0pt;border-left:none;border-right:solid white 1.5pt;border-top:none;height:60.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loan Loss Reserve
  (1)</font></b></font></p>
  </td>
 <td valign=bottom width=17% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impaired Loans as
  a Percentage of Loans by Category</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap width=58% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:7.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=42% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Domestic:</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Calibri,sans-serif style="border:none;"><font color=black face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Government</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">76</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(36)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.56%</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Credit institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other sectors</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,931</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5,352)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5.05%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Agriculture</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">58</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(42)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.56%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Industrial</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">693</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(468)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.67%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Real estate and construction</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,141</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(727)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11.25%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Commercial and other financial</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,532</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,079)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11.13%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans to individuals</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,418</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,484)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.57%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">90</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(551)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.44%</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=42% style="height:15.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Domestic</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,007</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5,387)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.69%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=42% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign:</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="border:none;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Government</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(47)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.01%</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Credit institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(34)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.04%</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other sectors</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,629</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(8,119)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.34%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Agriculture</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">87</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(83)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.49%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Industrial</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,076</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,732)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.36%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Real estate and construction</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">765</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(726)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.52%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Commercial and other financial</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,529</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,636)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.87%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Loans to individuals</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,934</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3,710)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.79%</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 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other</font></font></p>
  </td>
 <td nowrap valign=bottom width=24% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">238</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(232)</font></font></p>
  </td>
 <td nowrap valign=bottom width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.60%</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap valign=bottom width=42% style="height:15.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,636</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(8,200)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.14%</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=42% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=24% style="border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15,643</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(13,588)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=17% style="border:none;border-bottom:double black 2.25pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.78%</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; Includes
impairment of Stage 1, 2 and 3 loans </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">recorded under &#8220;Financial assets at amortized cost&#8221;</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">.</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;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Troubled
Debt Restructurings</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of June 30, 2020, of the total troubled debt
restructurings of &#8364;16,768 million, &#8364;7,760 million were not considered impaired
loans. </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;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Potential
Problem Loans</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The identification of &#8220;Potential problem loans&#8221;
is based on the analysis of historical non-performing asset ratio trends,
categorized by products/clients and geographical locations. This analysis is
focused on the identification of portfolios with non-performing asset ratio
higher than our average non-performing asset ratio. Once these portfolios are
identified, we segregate such portfolios into groups with similar
characteristics based on the activities to which they are related, geographical
location, type of collateral, solvency of the client and loan to value ratio</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.&nbsp;</font></i></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">29</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_32"></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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The non-performing asset ratio in our domestic
real estate and construction portfolio was 11.3% as of June 30, 2020 (compared
with 12.3% as of December 31, 2019), significantly higher than the average
non-performing asset ratio for all of our domestic activities (4.7% as of June
30, 2020 and 4.9% as of December 31, 2019) and the average non-performing asset
ratio for all of our consolidated activities (3.7% as of June 30, 2020 and 3.8%
as of December 31, 2019). Within such portfolio, construction loans and
property development loans (which exclude mainly infrastructure and civil construction)
had a non-performing asset ratio of 7.8% as of June 30, 2020 (9.0% as of
December 31, 2019).</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In light of the COVID-19 outbreak, various
national and supranational supervisory authorities have afforded banks with
greater flexibility regarding the accounting policy to be applied with respect
to potential problem loans, providing the option to suspend the application of
accounting guidance for potential problem loans, for a limited period of time,
with respect to loans affected by moratoriums or other relief measures adopted
by authorities to address the effects of the COVID-19 pandemic. See Note 6.2 to
our Unaudited Condensed Interim Consolidated Financial Statements for
additional information on the impact of the COVID-19 pandemic on the Group&#8217;s
loans. </font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">See also &#8220;</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Item
5. Operating and Financial Review and Prospects&#8213;5A. Operating Results</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8213;</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Factors
Affecting the Comparability of our Results of Operations and Financial
Condition&#8213;The COVID-19 Pandemic</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.&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;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Foreign
Country Outstandings</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;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;">The following table sets forth, as of the dates indicated, the aggregate
amounts of our cross-border outstandings (which consist of loans, interest-bearing
deposits with other banks, acceptances and other monetary assets denominated in
a currency other than the home-country currency of the office where the item is
booked) where outstandings in the borrower&#8217;s country exceeded 1% of our total
assets as of June 30, 2020 and December 31, 2019. Cross-border outstandings do
not include loans in local currency made by our subsidiary banks to customers
in other countries to the extent that such loans are funded in the local
currency or hedged. As a result, they do not include the vast majority of the
loans made by our subsidiaries in South America, Mexico, Turkey and the United
States or other regions which are not listed below.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_Consolidacion_4E46" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=40% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 valign=bottom width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of June 30,
  2020</font></b></font></p>
  </td>
 <td colspan=2 valign=bottom width=30% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">As of December 31,
  2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap valign=bottom width=40% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=15% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Amount</font></b></font></p>
  </td>
 <td rowspan=2 width=15% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">% of Total Assets</font></b></font></p>
  </td>
 <td valign=bottom width=15% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Amount</font></b></font></p>
  </td>
 <td rowspan=2 width=15% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">% of Total Assets</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=40% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=40% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 nowrap width=60% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(In Millions of
  Euros, Except Percentages)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=40% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">United Kingdom</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,182</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.8%</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,086</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.9%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=40% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Mexico</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,434</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.2%</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,697</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.2%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=40% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Turkey</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">423</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.1%</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,856</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.6%</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=40% style="height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other OECD (Organization for Economic
  Co-operation and Development)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,516</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.4%</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,463</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.4%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=40% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total OECD</font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">18,555 </font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.5%</font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21,102 </font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.0%</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=40% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Central and South America</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,360</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.4%</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,323</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.5%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=40% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other&#160;&#160; </font></font></p>
  </td>
 <td nowrap width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7,180</font></font></p>
  </td>
 <td nowrap width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.0%</font></font></p>
  </td>
 <td nowrap width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,924</font></font></p>
  </td>
 <td nowrap width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.0%</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=40% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total&#160;&#160; </font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">29,096 </font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3.9%</font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">31,349 </font></b></font></p>
  </td>
 <td nowrap width=15% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.5%</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The Bank of Spain requires
that minimum reserves be maintained for cross-border risk arising with respect
to loans and other outstandings to countries, or residents of countries,
falling into certain categories established by the Bank of Spain on the basis
of the level of perceived transfer risk. The category that a country falls into
is determined by us, subject to review by the Bank of Spain.</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;">Our exposure to borrowers in countries with
difficulties as defined by the OECD, excluding our exposure to subsidiaries or
companies we manage and trade-related debt, amounted to &#8364;127 million and &#8364;184
million as of June 30, 2020 and December 31, 2019, respectively. These figures
do not reflect loan loss reserves of 15.0% and 12.5%, respectively, of the
relevant amounts outstanding at such dates. Deposits with or loans to borrowers
in all such countries as of June 30, 2020 did not in the aggregate exceed 0.02%
of our total assets.</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">30</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_33"></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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The country-risk
exposures described in the preceding paragraph as of June 30, 2020 and December
31, 2019 do not include exposures for which insurance policies have been taken
out with third parties that include coverage of the risk of confiscation,
expropriation, nationalization, non-transfer, non-convertibility and, if
appropriate, war and political violence. The sums insured as of June 30, 2020
and December 31, 2019 amounted to $70 million and $73 million, respectively
(approximately &#8364;62 million and &#8364;65 million, respectively, based on a euro/dollar
exchange rate on June 30, 2020 of $1.00 = &#8364;0.89 and on December 31, 2019 of
$1.00 = &#8364;0.89).</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 style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">LIABILITIES</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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Deposits</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The principal components of our customer
deposits recorded under &#8220;Financial liabilities at amortized cost&#8221; are domestic
demand and savings deposits and foreign time deposits. The following tables
provide information regarding our deposits recorded under &#8220;Financial
liabilities at amortized cost&#8221; by principal geographic area for the dates
indicated.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E511.1" style="border-collapse:collapse;width:100%;">
 <tr style="height:23.25pt;">
  <td nowrap valign=bottom width=23% style="height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 width=77% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30,
  2020</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap valign=bottom width=23% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Customer Deposits</font></b></font></p>
  </td>
 <td valign=bottom width=20% 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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Bank of Spain and
  Other Central Banks</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Other Credit
  Institutions</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=23% style="height:13.5pt;padding:0cm 0cm 0cm 9.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 valign=bottom width=77% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Domestic</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">180,265 </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">40,668</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,483</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">224,416</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 36.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:15.0pt;padding:0cm 45.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 36.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 36.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Western Europe</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">19,062 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">131</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,367</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">31,560</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">The United States</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">75,720 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">76</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,228</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">85,024</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Mexico</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">50,840 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,168</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">995</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">54,003</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Turkey</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">35,421 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,890</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">713</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">38,024</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">South America</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">39,522 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,735</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,205</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">43,462</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td valign=bottom width=23% style="height:15.75pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,354 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.75pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,364</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,718</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">221,919</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,000</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">28,872</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">256,791</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td valign=bottom width=23% style="height:15.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">402,184</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">46,668</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">32,355</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">481,207</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-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=DE style="font-size:10.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_4E511.2" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=23% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 valign=bottom width=77% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of December 31,
  2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap valign=bottom width=23% style="height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Customer Deposits</font></b></font></p>
  </td>
 <td valign=bottom width=20% 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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Bank of Spain and
  Other Central Banks</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Other Credit
  Institutions</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 0cm 0cm 9.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 valign=bottom width=77% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Domestic</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">171,611 </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,318</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,218</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">199,147</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 36.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:15.0pt;padding:0cm 45.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 36.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 36.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Western Europe</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15,360 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9,190</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,549</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">The United States</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66,181 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">72</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,377</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">72,630</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Mexico</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">56,564 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">492</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,634</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">58,689</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Turkey</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">36,042 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">257</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">924</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">37,223</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">South America</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">36,661 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">811</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,840</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">40,311</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 38.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,801 </font></font></p>
  </td>
 <td valign=bottom width=20% style="height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,568</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,369</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total Foreign</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">212,608</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,631</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25,533</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">239,772</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td valign=bottom width=23% style="height:15.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">384,219</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 47.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">25,950</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">28,751</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 38.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">438,919</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=ES 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For an analysis of our deposits recorded under
&#8220;Financial liabilities at amortized cost&#8221;, including non-interest bearing
demand deposits, interest-bearing demand deposits, saving deposits and time
deposits, see Note 21 to our Unaudited Condensed Interim Consolidated Financial
Statements.</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">31</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

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</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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Large denomination
deposits may be a less stable source of funds than demand and savings deposits
because they are more sensitive to variations in interest rates. For a
breakdown by geographic area of customer deposits recorded under &#8220;Financial
liabilities at amortized cost&#8221; as of June 30, 2020 and December 31, 2019, see
Note 21 to our Unaudited Condensed Interim Consolidated Financial Statements.</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 style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">EQUITY</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Total equity</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of June
30, 2020, total equity amounted to &#8364;49,555 million, a 9.8% decrease compared to
the &#8364;54,925 million recorded as of December 31, 2019, mainly as a result of the
increase in accumulated other comprehensive loss and the decrease in
shareholders&#8217; funds.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Accumulated
other comprehensive income (loss)</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of June 30, 2020, the accumulated other comprehensive loss
amounted to &#8364;12,822 million, a 25.4% increase compared to the &#8364;10,226 million
recorded as of December 31, 2019, mainly as a result of the negative impact of
changes in exchange rates on foreign currency positions in Mexico and Colombia.</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;">The majority of the balance is related to the
conversion to euros of the financial statements balances from consolidated
entities whose functional currency is not the euro.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">ITEM 5.&#160;&#160;&#160;&#160;&#160; OPERATING AND FINANCIAL REVIEW AND
PROSPECTS</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Critical Accounting Policies</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">For a description of
our critical accounting policies, see Note 2 to our Unaudited Condensed Interim
Consolidated Financial Statements, &#8220;Item 5. Operating and Financial Review and
Prospects&#8212;Critical Accounting Policies&#8221; in our 2019 Form 20-F and Note 2.2 to
our Consolidated Financial Statements. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">We consider certain
of our critical accounting policies to be particularly important due to their
effect on the financial reporting of our financial condition and results of
operations and because they require management to make difficult, complex or
subjective judgments, some of which may relate to matters that are inherently
uncertain. Our reported financial condition and results of operations are
sensitive to accounting methods, assumptions and estimates that underlie the
preparation of our consolidated financial statements. The nature of critical
accounting policies, the judgments and other uncertainties affecting
application of those policies and the sensitivity of reported results to
changes in conditions and assumptions are factors to be considered when
reviewing our Unaudited Condensed Interim Consolidated Financial Statements.
For information on the estimates made by the Group in preparing the Unaudited
Condensed Interim Consolidated Financial Statement, see Note 1.6 to our
Unaudited Condensed Interim Consolidated Financial Statements.</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;">See 6.2.1 to our Unaudited Condensed Interim
Consolidated Financial Statements for information on the measurement of
expected credit loss.</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;">Additional information on our assessment of
goodwill impairment is included below.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Pursuant
to IFRS 3, if the difference on the date of a business combination between the
sum of the consideration transferred, the amount of all the non-controlling
interests and the fair value of equity interest previously held in the acquired
entity, on one hand, and the fair value of the assets acquired and liabilities
assumed, on the other hand, is positive, it is recorded as goodwill on the
asset side of the balance sheet. Goodwill represents the future economic
benefits from assets that cannot be individually identified and separately
recognized.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Goodwill
is not amortized and is subject periodically to an impairment analysis. Any
impaired goodwill is written off.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">If the
difference is negative, it is recognized directly in the income statement under
the heading &#8220;Negative goodwill recognized in profit or loss&#8221;.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Goodwill is allocated to one or more
cash-generating units, or CGUs, expected to benefit from the synergies arising
from business combinations. The CGUs to which goodwill has been allocated are
tested for impairment based on the carrying amount of the unit including the
allocated goodwill. Such testing is performed at least annually and whenever there
is an indication of impairment.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For the
purpose of determining the impairment of a CGU to which a part or all of
goodwill has been allocated, the carrying amount of that CGU, adjusted by the
theoretical amount of the goodwill attributable to the non-controlling
interests, shall be compared to its recoverable amount. The resulting
difference shall be apportioned by reducing, firstly, the carrying amount of
the goodwill allocated to that unit and, secondly, if there are still
impairment losses remaining to be recognized, the carrying amount of the rest
of the assets. This shall be done by allocating the remaining difference in
proportion to the carrying amount of each of the assets in the CGU. In any
case, impairment losses on goodwill can never be reversed. The results from
each of these tests on the dates mentioned were as follows:</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of
June 30, 2020, as a result of the CGUs assessment, the Group concluded there is
no evidence of further indicators of impairment that requires recognizing
significant additional impairment losses in any of the CGUs where goodwill that
the Group has recognized in the consolidated balance sheet is allocated. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of
March 31, 2020, we identified an indicator of impairment of goodwill in the United
States CGU and, as a result of the goodwill impairment test performed, an
impairment of &#8364;2,084 million was recognized in the United States CGU, which was
mainly due to the negative impact of the macroeconomic scenario following the
COVID-19 pandemic. This recognition did not affect the tangible book value or
the solvency ratio of the BBVA Group. For additional information, see Note 17.1
to our Unaudited Condensed Interim Consolidated Financial Statements.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of
December 31, 2019, an impairment of &#8364;1,318 million was recognized in the United
States CGU and was mainly the result of the negative changes in interest rates,
especially in the second half of 2019, which together with the slowdown of the
economy caused the expected results to be below the previous estimate. For
additional information, see Note 18.1 to our Consolidated Financial Statements.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
Group&#8217;s most significant goodwill corresponds to the CGU in the United States.
The calculation of the impairment test performed in March 2020, used the cash
flow projections estimated by the Group&#8217;s management, based on the latest
budgets available for the next five years. As of March 31, 2020, the Group used
a growth rate of 3.0% (3.5% as of December 31, 2019) to extrapolate the cash
flows in perpetuity starting on the fifth year, based on the real GDP growth
rate of the United States, the expected inflation and the potential growth of
the banking sector in the United States. This rate is lower than the historical
average nominal GDP growth rate of the United States for the past 30 years and
lower than the real GDP growth rate forecasted by the IMF. The rate used to discount
cash flows is the cost of capital assigned to the CGU, 10.3% as of March 31,
2020 (10.0% as of December 31, 2019), which consists of the risk free rate plus
a risk premium. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of
March 31, 2020 if the discount rate had increased or decreased by 50 basis
points, the recoverable amount would have decreased or increased by &#8364;755
million and &#8364;869 million, respectively (&#8364;871 million and &#8364;1,017 million,
respectively, as of December 31, 2019). If, as of March 31, 2020, the growth
rate had increased or decreased by 50 basis points, the recoverable amount
would have increased or decreased by &#8364;270 million and &#8364;235 million,
respectively (&#8364;340 million and &#8364;292 million, respectively, as of December 31,
2019).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Part of
the Group&#8217;s goodwill balance corresponds to the CGU in Turkey. The calculation
of the impairment loss used the cash flow projections estimated by the Group&#8217;s
management, based on the latest budgets available for the next five years. As
of March 31, 2020, the Group used a growth rate of 7.0% (7.0% as of December
31, 2019) to extrapolate the cash flows in perpetuity starting in the fifth
year, based on the real GDP growth rate of Turkey and expected inflation. The
rate used to discount cash flows is the cost of capital assigned to the CGU,
18.1% as of March 31, 2020 (17.4% as of December 31, 2019), which consists of
the risk free rate plus a risk premium.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of
March 31, 2020 if the discount rate had increased or decreased by 50 basis
points, the recoverable amount would have decreased or increased by &#8364;166
million and &#8364;183 million, respectively (&#8364;192 million and &#8364;212 million,
respectively, as of December 31, 2019). If, as of March 31, 2020, the growth
rate had increased or decreased by 50 basis points, the recoverable amount
would have increased or decreased by &#8364;23 million and &#8364;21 million, respectively
(&#8364;31 million and &#8364;28 million, respectively, as of December 31, 2019).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As of
June 30, 2020 and December 31, 2019 the recoverable amounts of the rest of our
CGUs were in excess of their carrying value.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<h2 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5A.&#160;&#160;
Operating Results</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Factors Affecting
the Comparability of our Results of Operations and Financial Condition</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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Trends
in Exchange Rates</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">We are exposed to foreign exchange
rate risk in that our reporting currency is the euro, whereas certain of our subsidiaries
and investees keep their accounts in other currencies, principally Mexican
pesos, U.S. dollars, Turkish liras, Argentine pesos, Colombian pesos and
Peruvian soles. For example, if Latin American currencies, the U.S. dollar or
the Turkish lira depreciate against the euro, when the results of operations of
our subsidiaries in the countries using these currencies are included in our
consolidated financial statements, the euro value of their results declines,
even if, in local currency terms, their results of operations and financial
condition have remained the same. By contrast, the appreciation of Latin
American currencies, the U.S. dollar or the Turkish lira against the euro would
have a positive impact on the results of operations of our subsidiaries in the
countries using these currencies when their results of operations are included
in our consolidated financial statements. Accordingly, changes in exchange
rates may limit the ability of our results of operations, stated in euro, to
fully show the performance in local currency terms of our subsidiaries.</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Except with respect to
hyperinflationary economies, the assets and liabilities of our subsidiaries
which maintain their accounts in currencies other than the euro have been
converted to the euro at the period-end exchange rates and income statement
items have been converted at the average exchange rates for the period. See
Note 2.2.20 to our Consolidated Financial Statements for information on the
application of IAS 29 to hyperinflationary economies. The following table sets
forth the exchange rates of several Latin American currencies, the U.S. dollar
and the Turkish lira against the euro, expressed in local currency per &#8364;1.00 as
averages for the six months ended June 30, 2020 and June 30, 2019, and as
period-end exchange rates as of June 30, 2020 and as of December 31, 2019
according to the ECB.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5A21Rates" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td nowrap valign=bottom width=27% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 valign=bottom width=39% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">Average Exchange Rates</font></b></font></p>
  </td>
 <td colspan=2 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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">Period-end Exchange Rates</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap valign=bottom width=27% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30, 2020</font></b></font></p>
  </td>
 <td valign=bottom width=20% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30, 2019</font></b></font></p>
  </td>
 <td valign=bottom width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">As of June 30, </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2020</font></b></font></p>
  </td>
 <td valign=bottom width=15% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">As of December 31, 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=27% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Mexican peso</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">23.8753</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="border:none;height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">21.6509</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="border:none;height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">25.9470</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">21.2202</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=27% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">U.S. dollar</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1.1018</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1.1297</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1.1198</font></font></p>
  </td>
 <td nowrap width=15% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1.1234</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=27% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Argentine peso</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="background:#D9D9D9;height:11.45pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="background:#D9D9D9;height:11.45pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">78.8283</font></font></p>
  </td>
 <td nowrap width=15% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">67.2860</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=27% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Colombian peso</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">4,066.2832</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3,602.3248</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">4,209.2274</font></font></p>
  </td>
 <td nowrap width=15% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3,681.5391</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=27% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Peruvian sol</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3.7631</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3.7516</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3.9470</font></font></p>
  </td>
 <td nowrap width=15% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3.7205</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=27% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Turkish lira</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">7.1541</font></font></p>
  </td>
 <td nowrap valign=bottom width=20% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">6.3577</font></font></p>
  </td>
 <td nowrap valign=bottom width=19% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">7.6761</font></font></p>
  </td>
 <td nowrap width=15% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">6.6843</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">During
the six months ended June 30, 2020, foreign exchange markets have been affected
by the COVID-19 pandemic, which has generally had an adverse impact on
currencies of emerging economies. As a result, the Mexican peso, the Colombian
peso, the Turkish lira and the Peruvian sol depreciated against the euro in
average terms compared with average exchange rates in the prior period. On the
other hand, the U.S. dollar appreciated against the euro in average terms. In
terms of period-end exchange rates, the Mexican peso, the Argentine peso, the
Colombian peso, the Peruvian sol and the Turkish lira depreciated against the
euro. On the other hand, the U.S. dollar appreciated against the euro. The overall
effect of changes in exchange rates was negative for both the period-on-period
comparison of the Group&#8217;s income statement and the period-on-period comparison
of the Group&#8217;s balance sheet.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">When comparing two
dates or periods in this report on Form 6-K we have sometimes excluded, where
specifically indicated, the impact of changes in exchange rates by assuming
constant exchange rates. In doing this, with respect to income statement
amounts, we have used the average exchange rate for the more recent period for
both periods and, with respect to balance sheet amounts, we have used the
closing exchange rate of the more recent period for both period ends.</font></font><font style="border:none;">
&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">COVID-19 pandemic</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">On March 11, 2020,
the World Health Organization declared the outbreak of coronavirus (COVID-19) a
pandemic. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The coronavirus
(COVID-19) pandemic has affected, and is expected to continue to adversely
affect, the world economy and economic activity and conditions in the countries
in which the Group operates, leading many of them to economic recession. Among
other challenges, these countries are experiencing widespread increases in unemployment
levels and falls in production, while public debt has increased significantly
due to support and spending measures implemented by government authorities. In
addition, there has been an increase in debt defaults by both companies and
individuals, volatility in the financial markets, volatility in exchange rates
and reductions in the value of assets and investments, all of which have
adversely affected the Group&#8217;s results in the first six months of 2020, and are
expected to continue affecting the Group&#8217;s results in the future.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Furthermore, the
Group may be affected by the measures or recommendations adopted by regulatory
authorities in the banking sector, including but not limited to, the recent
reductions in reference interest rates, the relaxation of prudential
requirements, the suspension of dividend payments until October 1, 2020, the
adoption of moratorium measures for bank customers (such as those included in
Royal Decree Law 11/2020 in Spain, as well as in the CECA-AEB agreement to
which BBVA has adhered and which, among other things, allows loan debtors to
extend maturities and defer interest payments) and financing with public
guarantees, especially to companies and self-employed individuals, as well as
changes in the financial asset purchase programs.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Since the outbreak of
COVID-19, the Group has experienced a slowdown in its activity. For example,
the granting of new loans to individuals has significantly decreased since the
beginning of the state of emergency or periods of confinement decreed in
certain countries in which the Group operates. In addition, the Group faces
various risks, such as an increased risk of deterioration in the value of its
assets (including financial instruments valued at fair value, which may suffer
significant fluctuations) and of the securities held for liquidity reasons, a
possible significant increase in non-performing loans and a negative impact on
the Group&#8217;s cost of financing and on its access to financing (especially in an
environment where credit ratings are affected). </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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, in
several of the countries in which the Group operates, including Spain, the
Group has temporarily closed a significant number of its offices and reduced
hours of working with the public, and the teams that provide central services
have been working remotely. These measures are being gradually reversed in some
regions, such as Spain, however, due to the continued expansion of the COVID-19
pandemic, it is unclear how long it will take for normal operations to be fully
resumed. The COVID-19 pandemic could also adversely affect the business and
operations of third parties that provide critical services to the Group and, in
particular, the greater demand and/or reduced availability of certain resources
could in some cases make it more difficult for the Group to maintain the
required service levels. Furthermore, the increase in remote working has
increased the risks related to cybersecurity, as the use of non-corporate
networks has increased.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
above, while the impact of the COVID-19 pandemic only started to be evident at
the end of the first quarter of 2020, it has had an adverse effect on the
Group&#8217;s results for the first half of 2020, as well as on the Group&#8217;s capital
base as of June 30, 2020. The main accumulated impacts have been the following:
(i) an increase in the deterioration of financial assets, mainly due to the
deterioration of the macroeconomic scenario, which has had a negative impact of
&#8364;2,009 million (which includes the initial negative impact of moratoriums) and
&#8364;95 million in provisions for contingent risks and commitments as of June 30,
2020, and (ii) a deterioration in the goodwill of the Group&#8217;s subsidiary in the
United States, mainly due to the deterioration of the macroeconomic scenario in
the United States, which has had a net negative impact of &#8364;2,084 million on the
&#8220;Profit attributable to parent company&#8221; in the six months ended June 30, 2020
(although this impact does not affect the tangible book value, nor the capital
or the liquidity of the Group). For information on the impact of the COVID-19
pandemic on our capital, see </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;&#8212;Capital&#8221;.&nbsp;</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The final magnitude
of the impact of the COVID-19 pandemic on the Group&#8217;s business, financial
condition and results of operations, which is expected to be significant, will
depend on future and uncertain events, including the intensity and persistence
over time of the consequences arising from the COVID-19 pandemic in the
different geographies in which the Group operates.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Measures adopted in light of the COVID-19
pandemic</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">For summarized
information on certain supervisory pronouncements intended to allow greater
flexibility in the implementation of the accounting and prudential frameworks
applicable to financial institutions, see </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;&#8212;Pronouncements of regulatory
bodies and supervisors regarding COVID-19&#8221;</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> below. The Group has taken such
pronouncements into consideration when preparing its Unaudited Condensed
Interim Consolidated Financial Statements. For summarized information on
certain relief measures adopted by the ECB regarding capital and liquidity
requirements, see </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;Item 5. Operating and Financial Review and
Prospects&#8213;5B. Liquidity and Capital Resources&#8212;Capital&#8221;</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">. &nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 accordance with
the recommendation ECB/2020/19 issued by the ECB on March 27, 2020 on dividend
distributions during the COVID-19 pandemic, the Board of Directors of BBVA has
resolved to modify the dividend policy of the Group, as announced on February
1, 2017, for the 2020 financial year, determining not to pay any dividend
corresponding to such year until the uncertainties caused by the COVID-19
pandemic disappear and, in any case, not before the end of such year. On April
9, 2020, BBVA paid a supplementary cash dividend for the 2019 financial year of
a gross amount of &#8364;0.16 per share, in line with that approved at BBVA&#8217;s General
Shareholders&#8217; Meeting held on March 13, 2020. Thus, the total dividend for the
2019 financial year amounts to &#8364;0.26 gross per share.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Set forth below is
summarized information on certain economic measures that the governments of the
main countries where the BBVA Group operates have taken to limit the effects of
the COVID-19 pandemic, as well as on the measures adopted by the BBVA Group to
support its customers pursuant to initiatives required or supported by the
relevant governments. See Note 6.2 to our Unaudited Condensed Interim
Consolidated Financial Statements for additional information on how the Group&#8217;s
loan activity has been affected by the COVID-19 pandemic.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 Europe, fiscal
stimulus packages continue to be implemented by all the relevant European
authorities, the European Union (EU) and member states, with the recovery fund
(Next Generation EU) approved by the EU being the most relevant. Such fund
would mean an endowment of &#8364;750,000 million to support the recovery within the
coming years through the promotion of investment and the development of
structural reforms. As a consequence of the transfers expected to be made
thereunder, member states most affected by the health crisis would avoid
incurring in higher debt and, the plan is expected to result in a lower cost of
funding for member states.&#160;&#160; </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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Spain</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 Spain, measures
adopted in response to the COVID-19 pandemic include credit facilities for SMEs
and self-employed workers and credit guaranteed by the Instituto de Cr&#233;dito
Oficial (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">ICO</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;), upfront payment of pension payments and unemployment
benefits, credit guaranteed by the ICO for rent payment, deferment of insurance
and credit cards payments, as well as grace periods on loans for the most
affected population. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The adoption of
moratorium measures for bank customers in the different countries in which the
Group operates (such as those included in Royal Decree Law 11/2020 in Spain, as
well as in the CECA-AEB agreement to which BBVA has adhered to in Spain) has
resulted in the temporary suspension of all or part of the contractual
obligations of certain debtors for a specific period of time. According to IFRS
9, when a moratorium impedes interest collection rights, a temporary loss of
value is triggered for the transaction, which is calculated as the difference
in current value of the original and modified cash flows, both discounted at
the rate of effective interest of the original transaction. This difference is
recognized at such initial time in the income statement under the heading
&#8220;Impairment or reversal of impairment on financial assets not measured at fair
value through profit or loss or net gains by modification&#8221; and in the balance
sheet as a reduction in the asset value of the loans. From that point on, such
difference accrues as net interest income at the original effective interest
rate within the period of the moratorium. Thus, at the end of the moratorium
period, the impact on profit attributable to parent company is neutral.</font></font><font style="border:none;">
&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The United States</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 the United States,
the Federal Reserve has cut interest rates to 0%-0.25% and has stated that it
is ready to launch additional measures if necessary. In addition, the Paycheck
Protection Program (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">PPP</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;) and the business loan program established by
the Coronavirus Aid, Relief, and Economic Security Act (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">CARES Act</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;),
which seek to provide economic assistance for workers, families and businesses,
and preserve jobs were launched and a new infrastructure spending tax package
may be approved.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Measures adopted by
the Group in the United States include affording flexibility in the repayment
of loans for businesses and for consumer finance customers, and the removal of
certain fees for individual customers. In addition, the Group participates in
the PPP and other loan programs.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Mexico</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">During March and
April 2020, Banxico, the Mexican Central Bank, reduced the benchmark interest
rate and announced certain measures to promote the orderly behavior of the
financial markets, strengthen credit granting channels and provide liquidity
for the development of the financial system. It also announced a reduction in
the Monetary Regulation Deposit, the instrument through which the Central Bank
balances its long-term liquidity, and the start of auctions of US dollars with
credit institutions in which BBVA Mexico participated in April, in the
aggregate amount of $1,250 million, and partially renewed that position in June
for $700 million.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Measures adopted by
the Group in Mexico include a repayment deferment of up to four months on
various credit products, a fixed payment plan to reduce monthly credit card
charges, the suspension of point of sale fees to support retailers with lower
turnover and certain plans to support larger corporate customers.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Turkey</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Due to the COVID-19
outbreak, the Turkish government has announced a program of fiscal measures to
offset the effects of the pandemic. The main measures include the increase of
minimum pensions for and financial aid to the most affected households,
protection of employment and deferment of the payment of taxes in affected
industries. The Central Bank has decreased the benchmark rate, most recently to
8.25%, in addition to taking measures to provide liquidity with long term
instruments and discount rates.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Measures adopted by
the Group in Turkey include a delay of certain loan repayments and penalty-free
interest and principal payments.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">South
America</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 Argentina,
quarantine extensions have been accompanied by government fiscal support
measures targeting certain sectors and regions. In Colombia, production and
consumption disruption resulting from the COVID-19 pandemic has resulted in
strong reductions in the components of demand, mainly consumption and
investment. In this context, the central bank has reduced the benchmark
interest rate by 175 basis points since the start of the pandemic, an approach
which is expected to continue until it falls to 2% for the third quarter, and
has also carried out liquidity injection programs in addition to bond purchase
programs. In Peru, a fiscal package has been implemented to alleviate the
negative impacts of COVID-19 on households and businesses.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 for the measures
adopted by the Group in South America, in some countries, including Argentina,
the Group has provided a credit facility for micro-SMEs to help them purchase
remote work equipment and credit facilities intended for payroll payments; in
Colombia, the Group has deferred repayments on loans to individuals and
companies for up to six months, and it is offering special working capital
facilities to companies; and in Peru, various initiatives have been approved to
support SMEs, and new types of credit facilities and credit cards have been
approved in order to support consumers.</font></font><font style="border:none;">
&nbsp;</font></p>


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</DIV>
<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:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Pronouncements of regulatory bodies and
supervisors regarding COVID-19</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">With the aim of mitigating
the impact of COVID-19, various European and international bodies have made
pronouncements aimed at allowing greater flexibility in the implementation of
the accounting and prudential frameworks applicable to financial institutions. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 particular, the
ECB has adopted the following relief measures regarding asset quality
deterioration and non-performing loans: (i) with respect to loans affected by
legally imposed payment moratoriums related to the COVID-19 pandemic, it has
extended flexibility to the unlikely-to-pay classification of such loans in
regard to timing and scope of the assessment, taking into account all available
support measures, and (ii) with respect to COVID-19 related financing with
public guarantees, it has provided flexibility regarding the classification of
obligors as unlikely to pay, and will give public-guaranteed loans a
preferential treatment in terms of their minimum coverage expectation. Furthermore,
Regulation (EU) 2020/873 of the European Parliament and of the Council of June
24, amending Regulations (EU) 575/2013, as amended (the &#8220;CRR&#8221;) and (EU)
2019/876 (the &#8220;CRR2&#8221;), as regards certain adjustments in response to the
COVID-19 pandemic, contains a number of adjustments to CRR and CRR II to
facilitate lending by banks as a response to the COVID-19 crisis. The
adjustments also reflect recent statements of the Basel Committee on Banking
Supervision addressing the challenges of the pandemic. These adjustments
include extending for two years the transition period for arrangements related
to the implementation of IFRS 9; bringing forward the introduction of some
capital relief measures for banks under CRR2, including the preferential
treatment of certain loans backed by pensions or salaries and of certain
exposures to SMEs and infrastructure; and changing the minimum amount of
capital that banks are required to hold for non-performing loans under the
prudential backstop. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The Group has taken
the pronouncements referred to above into consideration when preparing its
Unaudited Condensed Interim Consolidated Financial Statements. See Note 1.5 to
our Unaudited Condensed Interim Consolidated Financial Statements for
additional information.</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;text-indent:35.45pt;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating
Environment</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 color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Our results of operations are dependent, to a
large extent, on the level of demand for our products and services (primarily
loans and deposits but also intermediation of financial products such as
sovereign or corporate debt) in the countries in which we operate. Demand for
our products and services in those countries is affected by the performance of
their respective economies in terms of GDP, as well as prevailing levels of
employment, inflation and, particularly, interest rates. The demand for loans
and saving products correlates positively with income, which correlates in turn
with GDP, employment and corporate profits evolution. Interest rates have a
direct impact on banking results as the banking activity mainly relies on the
generation of positive interest margins by paying lower interest on
liabilities, primarily deposits, than the interest received on assets,
primarily loans. However, it should be noted that higher interest rates, all
else being equal, also reduce the demand for banking loans and increase the
cost of funding of the banking business.
</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The uncertainty caused by the
COVID-19 pandemic led to a significant fluctuation in asset prices in the
financial markets, accompanied by a sharp increase in volatility. The economic
environment improved substantially at the end of March following the actions of
the U.S. Federal Reserve (which offered unlimited quantitative easing, such as,
lending facilities) and a sizable fiscal package announced by the U.S.
government, with financial markets remaining broadly stable over the second
quarter of 2020. Supportive factors include the reinforcement of previous
fiscal and monetary measures by policy makers in the largest economies, the
exit process in place of lockdown measures related to the COVID-19 pandemic in
most countries and the related rebound in economic activity. Regarding the
latter, indicators show that the contraction up to April was deeper than
expected and that the improvement since May is robust and relatively
widespread, especially in developed economies where the policy support has been
more significant. Regarding global growth, BBVA Research continues to expect an
&#8220;incomplete V&#8221; recovery of economic activity, that is, a return to almost
previous levels of activity. However, this recovery is expected to be slower
than anticipated and heterogeneous across countries. This view builds on the
assumption that further waves of contagions of COVID-19 will occur, but without
triggering generalized strict lockdown measures, until a vaccine is available.
BBVA Research expects the global economy to contract by around 3.2% in 2020 and
grow by 5.1% in 2021. Nonetheless, epidemiological, economic, financial and
geopolitical factors keep uncertainty at exceptionally high levels and continue
to be a source of risks to economic forecasts. The availability of a vaccine for
COVID-19 will be particularly relevant.</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Regarding the evolution of key economic areas
for the Group, BBVA Research expects the Spanish economy to contract by around
11.5% in 2020 and grow by 7% in 2021. The measures implemented for containment
and social distancing have lasted longer than expected, but have contributed to
control the expansion of COVID-19 pandemic. Additionally, the impact on
economic activity has been significant and greater than initially estimated:
the drop in production exceeded 30% during the last two weeks of March and may
have reached 50% by the beginning of the second quarter, when activity was
limited to essential sectors. Thus, despite the fact that the easing of
restrictions has given way to an intense recovery of the economy as from May,
the accumulated fall in activity levels between the end of 2019 and the end of
the first half of 2020 may have exceeded 20%. BBVA Research expects activity
growth to reach 10% in the third quarter of 2020. Growth forecasts continue to
be subject to an exceptionally high degree of uncertainty.</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Meanwhile, at a European level, packages are
being enacted by all relevant European authorities, the EU and member states.
There are two broad sets of measures, credit guarantees and new fiscal
stimulus, in addition to letting fiscal stabilizers work, relaxing EU fiscal
and State aid rules. On average, the fiscal stimulus plus liquidity facilities
are expected to be around 20% of EU GDP. Most importantly, the EU Council
approved the &#8220;Next Generation EU&#8221; deal that amounts to &#8364;750,000 million (5.4%
of the EU&#8217;s GDP), to support the recovery in the coming years after the
COVID-19 pandemic through the promotion of investment and the implementation of
structural reforms. In addition, the ECB has continued to expand its balance
sheet, consolidating a strong increase in liquidity (TLTRO-III), by increasing
the Pandemic Emergency Purchase Programme (PEPP) by a further &#8364;600 billion up
to &#8364;1.35 trillion.</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In Mexico, the sharp contraction of activity
due to the COVID-19 pandemic and the expected subdued recovery thereafter will
likely affect investment. BBVA Research&#8217;s GDP growth forecast has been revised
downward to -10% for 2020, with a range from -12% to -9%. BBVA Research expects
a partial recovery of GDP in 2021 with a growth rate of 3.7% (range from 2% to
4.5%). Economic activity bottomed out in the second quarter of 2020 with a two
digit fall and the path to recovery is expected to be long and varied amid the
long-term shock to employment and household income. During the first half of
2020, formal employment fell by almost 1 million, with a year-on-year decline
of 4.3% in June 2020. The loss of jobs both in the formal and informal sectors
will likely imply an important decrease in consumption, which BBVA Research
estimates will contract by 10.5% in 2020. The challenging context has been
affected by the lack of sizeable counter-cyclical policies, which is expected
to keep investment weak. BBVA Research expects a drop in investment of around
20.5% in 2020. The new trade treaty with the U.S. and Canada (USMCA) came into
effect on July 1, 2020. It represents a medium-term relevant opportunity for
Mexico to attract foreign direct investment flows and might bring about growth
opportunities for local supply chains. Inflation is expected to remain under
control, paving the way for Banxico to cut reference interest rates towards 3%
by the end of 2020 from its current level of 5%, according to BBVA Research. BBVA
Research expects headline inflation to close 2020 at 3.3% and to ease to 2.8%
by the end of 2021.</font></font></p>


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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;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">BBVA Research expects GDP in South
America to decrease approximately 10% in 2020, having grown by 1% in 2019. The
containment measures applied to contain the epidemic have been stricter and
more durable than was estimated a quarter ago. As a result, BBVA Research
corrected its growth estimates downwards for all countries in the region. For
all the South American economies, BBVA Research expects a partial recovery in
2021 driven mostly by the base effect of the lockdown that will imply an
expected growth of 4.5% for the region. BBVA Research expects a slow post
COVID-19 recovery given the need to redress resources, the potential bankruptcy
of companies and the household income loss.</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In the three largest economies of the region,
BBVA Research expects severe contractions: Argentina was going through one of
its longest recessions when the COVID-19 pandemic broke out. BBVA Research
expects a dramatic drop in GDP with a range from -16% to -12%. For 2021, BBVA
Research expects a partial recovery with a GDP growth rate of 5.2% (range
between 3% and 6%) with high macroeconomic vulnerabilities that will likely
deepen once the lockdown is over. In Peru, BBVA Research expects the
contraction to be -15% this year (range from -18% to -12%). The second quarter
of 2020 was the one with the highest contraction. Considering that many of the
restrictions imposed during the lockdown will be increasingly lifted, BBVA
Research expects that there will be a partial recovery in the second half of
the year and an increase of 8% year-on-year (range from 6.5% to 10.5%) in 2021.
BBVA Research expects Colombia to be the least severely affected economy, with
an estimated drop in GDP of -7.5% in 2020 (range from -10% to -5%), with severe
effects on multiple sectors after the six-week halt in economic activity and
the gradual opening up that has been uneven across sectors and regions. For
2021, the year-on-year growth will be driven mostly by the base effect and BBVA
Research expects it to be 5.5% (range from 3.5% to 7.5%).</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In the United States, the current crisis
represents an unprecedented risk to the economy as the fallout from the
COVID-19 pandemic has created a confluence of supply and demand-side shocks.
The direct economic impact is expected by BBVA Research to be large, but
temporary; however, the second-round effects on the real economy could imply a
deeper shock and a slower recovery. Moreover, limited data availability,
financial market volatility, and unprecedented policy responses imply elevated
uncertainty on the economic outlook during the next few quarters. BBVA Research
expects that U.S. GDP will decline by 5.1% in 2020 and increase 3.5% in 2021.
The U.S. government has put in place an unprecedented stimulus package that
implies a substantial increase in the federal deficit and public debt.</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In Turkey, BBVA Research expects GDP to remain
flat in 2020 (0% increase) and then to increase 5% in 2021. The Turkish economy
grew by 4.5% year-on-year in the first quarter of 2020 and BBVA Research
expects a drop in annual terms of -7.5% in the second quarter of 2020. However
expansionary fiscal and monetary policies, supportive measures as well as the
acceleration in credit growth accompanied by the normalization expectation on
the global side could have a positive impact on economic activity in the second
half of the year, and could lead to flat growth, within a growth range &#8211;given
the risk- of between 1% and -3%. Recovery ahead is expected to be supported by
the gradual lifting of lockdown measures and by the ongoing credit expansion.&#160;
&nbsp;</font></font></p>


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<p style="border:none;margin:0cm;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">BBVA Group results of operations for the six months ended
June 30, 2020 compared to the six months ended June 30, 2019</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The table below shows the Group&#8217;s unaudited condensed interim
consolidated income statements for the six months ended June 30, 2020 and 2019.
The Group&#8217;s unaudited condensed interim consolidated income statement for the
six months ended June 30, 2019 has been restated for comparative purposes. See
&#8220;</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Presentation of Financial Information&#8213;&#8212;IFRS 9 &#8211; Collection of
interest on impaired financial assets</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5A21Income" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=63% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 rowspan=2 valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=63% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=63% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=13% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:38.25pt;">
  <td width=63% style="height:38.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=24% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=13% style="height:38.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Interest and other income</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">13,228</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">15,633</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(15.4) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Interest expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(4,574)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(6,691)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(31.6) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Net interest income</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">8,653</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">8,941</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(3.2) </font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Dividend income</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">77</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">103</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(25.4) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Share of profit or loss of entities accounted
  for using the equity method</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(17)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(19)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(11.3) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Fee and commission income</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3,325</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3,661</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(9.2) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Fee and commission expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(1,024)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(1,191)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(14.1) </font></font></p>
  </td>
 </tr>
<tr style="height:14.1pt;">
  <td nowrap width=63% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net gains (losses) on financial assets and
  liabilities (1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">790</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">408</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:14.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">93.6 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Exchange differences, net</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">316</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">134</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">136.3 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Other operating income</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">230</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">337</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(31.7) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Other operating expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(848)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(995)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(14.8) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Income from insurance and reinsurance
  contracts</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,307</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,547</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(15.6) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Expense from insurance and reinsurance
  contracts</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(765)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(983)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(22.2) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Gross income</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">12,045</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">11,944</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">0.8 </font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(4,746)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(5,084)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(6.6) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Personnel expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(2,875)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(3,131)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(8.2) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Other administrative expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(1,872)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(1,953)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(4.1) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Depreciation and amortization</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(766)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(790)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(3.1) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Net margin before provisions (2)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">6,533</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">6,069</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">7.6 </font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Provisions or reversal of provisions and other
  results</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(601)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(261)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">130.6 </font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=63% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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=bottom width=12% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(4,146)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(1,731)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:27.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">139.5 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impairment or reversal of impairment on
  non-financial assets</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(2,149)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(44)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m. (3)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gains (losses) on derecognition of
  non-financial assets and subsidiaries, net</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">4</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">8</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(49.9) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Negative goodwill recognized in profit or loss</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td width=63% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gains (losses) from non-current assets and
  disposal groups classified as held for sale not qualifying as discontinued
  operations</font></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(9)</font></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">11</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m. (3)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Operating profit/(loss) before tax</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(368)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">4,052</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m. (3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Tax expense or income related to profit or
  loss from continuing operations</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(455)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(1,136)</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(60.0) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss) from continuing operations</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(823)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">2,916</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m. (3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit&#160; / (loss) from discontinued operations,
  net</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Profit / (loss)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(823)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">2,916</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m. (3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=63% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss) attributable to parent company</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(1,157)</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">2,442</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m. (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=63% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss) attributable to
  non-controlling interests</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">333</font></font></p>
  </td>
 <td nowrap valign=bottom width=12% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">475</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(29.7) </font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160; Comprises the following income statement line items contained
in the Unaudited Condensed Interim 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; and &#8220;Gains (losses) from hedge accounting, net&#8221;.</font></font></p>

<p style="border:none;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#160; 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:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160; Not meaningful.</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">41</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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">

<DIV bclHeader>


<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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:0cm;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The changes in our unaudited condensed interim consolidated
income statements for the six months ended June 30, 2020 and June 30, 2019 were
as follows:</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net
interest income</font></i></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net
interest income for the six months ended June 30, 2020 amounted to &#8364;8,653
million, a 3.2% decrease compared with the &#8364;8,941 million recorded for the six
months ended June 30, 2019, mainly as a result of the decrease in net interest
income in South America, Mexico and the United States, partially offset by the
increase in net interest income in Turkey. As mentioned below, the overall
decrease was attributable in part to the depreciation of the main currencies
where the BBVA Group operates. At constant exchange rates, net interest income
increased by 4.5%. In addition, net interest income was adversely affected by
the reductions in reference interest rates.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following factors, set out by region, contributed to the
decrease in net interest income:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:74.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;vertical-align:baseline;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=black 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 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;">Mexico: there was a 10.7% period-on-period decrease in
net interest income due mainly to the decrease in the interest reference rate
(by 225 basis points) during the first half of 2020 as a consequence of the
COVID-19 pandemic and the depreciation of the Mexican peso against the euro,
partially offset by increases in the volume of interest-earning assets in the
retail portfolio and in the wholesale portfolio.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:74.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-17.85pt;vertical-align:baseline;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=black 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 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;">South America: there was a 10.5% period-on-period
decrease in net interest income due mainly to the depreciation of the Argentine
peso and, to a lesser extent, the Colombian peso against the euro, partially
offset by the growth in the yield on interest-earning assets and the increase
in the average volume of interest-earning assets in retail and corporate
banking, mainly in Peru.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:74.85pt;margin-right:0cm;margin-top:0cm;text-indent:-17.85pt;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=black 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 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 United States: there was a 6.9% period-on-period
decrease in net interest income due mainly to the Federal Reserve&#8217;s decrease in
interest rates since the second half of 2019 (by 225 basis points in total),
offset modestly by the appreciation of the U.S. dollar against the euro.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The decrease in net interest income was partially offset by:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:74.85pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-18.0pt;vertical-align:baseline;"><font color=black face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:10.0pt;line-height:normal;">&#183;</font><font color=black 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 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;">Turkey: there was a 13.4% period-on-period increase in
net interest income mainly as a result of the higher customer spreads in
Turkish lira-denominated loans and higher loan volumes, which was partially
offset by a lower contribution from inflation-linked bonds and the depreciation
of the Turkish lira against the euro.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Dividend
income</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Dividend income for the six months
ended June 30, 2020 amounted to &#8364;77 million, a 25.4% decrease compared with the
&#8364;103 million recorded for the six months ended June 30, 2020.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Share
of profit or loss of entities accounted for using the equity method</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Share of profit or loss of entities
accounted for using the equity method for the six months ended June 30, 2020
was a &#8364;17 million loss, compared with the &#8364;19 million loss recorded for the six
months ended June 30, 2019.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fee
and commission income</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;text-indent:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The breakdown of fee
and commission income for the six months ended June 30, 2020 and June 30, 2019
is as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5A21CI" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=55% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 rowspan=2 valign=bottom width=32% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=55% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=55% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=16% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="border:none;border-top:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=55% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=32% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Bills receivables</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">17 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">19 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(10.5) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Demand accounts</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">265 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">232 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">14.2 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Credit and debit cards and TPVs</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,123 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,538 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(27.0) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Checks</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">71 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">100 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(29.0) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Transfers and other payment orders</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">368 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">393 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(6.3) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Insurance product commissions</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">76 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">90 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(15.8) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Loan commitments given</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">69 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">60 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">13.9 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other commitments and financial guarantees
  given</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">185 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">196 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(5.5) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Asset management</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">582 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">511 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">13.9 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Securities fees</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">199 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">158 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">25.7 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Custody securities</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">73 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">59 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">22.3 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=55% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Other fees and commissions</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">297 </font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:11.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">303 </font></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(2.1) </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=55% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Fee and commission income</font></b></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3,325 </font></b></font></p>
  </td>
 <td nowrap valign=bottom 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3,661 </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=13% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(9.2) </font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">42</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</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">

<DIV bclHeader>


<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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="background:white;border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fee and
commission income decreased by 9.2% to &#8364;3,325 million for the six months ended
June 30, 2020 from &#8364;3,661 million for the six months ended June 30, 2019,
primarily due to the lower volume of transactions as a result of the COVID-19
pandemic, particularly involving credit cards, and the depreciation of the main
currencies where the BBVA Group operates, offset in part by increased asset
management and securities fees driven by increased market activity during the
period.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fee
and commission expense</font></i></font></p>

<p style="background:white;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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The
breakdown of fee and commission expense for the six months ended June 30, 2020
and June 30, 2019 is as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5A21CE" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=58% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 rowspan=2 valign=bottom width=28% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=14% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="border:none;border-top:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=28% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Demand accounts</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">11</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">18</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(39.4) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Credit and debit cards</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">621</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">798</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(22.2) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Transfers and other payment orders</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">83</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">65</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">26.9 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Commissions for selling insurance</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">25</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">26</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(3.7) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Custody securities</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">25</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">16</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">58.7 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Other fees and commissions</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">259</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">268</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(3.6) </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Fee and commission expense</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,024</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,191</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(14.1) </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;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fee and
commission expense decreased by 14.1% to &#8364;1,024 million for the six months
ended June 30, 2020 from &#8364;1,191 million for the six months ended June 30, 2019,
primarily due to the lower volume of transactions as a result of the COVID-19
pandemic, particularly involving credit cards, and the depreciation of the main
currencies where the BBVA Group operates.
</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">43</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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">

<DIV bclHeader>


<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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains (losses) on financial assets and
liabilities</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains on financial assets and
liabilities increased by 93.6% to &#8364;790 million for the six months ended June
30, 2020 compared to a net gain of &#8364;408 million for the six months ended June
30, 2019, mainly due to greater ALCO portfolio sales in Spain and the United
States and increased sales in the Global Markets unit in Mexico and, to a
lesser extent, in Turkey and the United States.</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The table below
provides a breakdown of net gains (losses) on financial assets and liabilities
for the six months ended June 30, 2020 and 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5A21Rof" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=58% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 rowspan=2 valign=bottom width=28% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=14% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="border:none;border-top:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=28% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td valign=bottom width=58% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 valign=bottom width=14% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">229</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">67</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">241.0 </font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap valign=bottom width=58% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets at fair value through other
  comprehensive income</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">117</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">49</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">138.4 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets at amortized cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">106</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">15</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m. (1)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other financial assets and liabilities </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">5</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">59.8 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td valign=bottom width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gains (losses) on financial assets and
  liabilities held for trading, net</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">187</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">173</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">8.5 </font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=58% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gains (losses) on non-trading financial assets
  mandatorily at fair value through profit or loss, net</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">129</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">98</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">30.8 </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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gains (losses) on financial assets and
  liabilities designated at fair value through profit or loss, net</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">205</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(3)</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m. (1)</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td valign=bottom width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gains (losses) from hedge accounting, net</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">41</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">73</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(44.3) </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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net gains (losses) on financial assets and
  liabilities</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">790</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">408</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">93.6 </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; Not meaningful.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Gains on
derecognition of financial assets and liabilities not measured at fair value
through profit or loss increased to &#8364;229 million in the six months ended June
30, 2020 from &#8364;67 million in the six months ended June 30, 2019 mainly due to
the higher contribution from the ALCO portfolio, in particular, in Spain and
the United States.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Gains on
financial assets and liabilities held for trading increased by 8.5%, to &#8364;187
million in the six months ended June 30, 2020 from &#8364;173 million in the six
months ended June 30, 2019. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Gains on non-trading financial assets mandatorily at fair value
through profit or loss increased by 30.8% to &#8364;129 million in the six months
ended June 30, 2020 from &#8364;98 million in the six months ended June 30, 2019,
primarily due to the positive impact of changes in exchange rates on foreign
currency positions and the higher contribution from the ALCO portfolio and the
Global Markets unit in Mexico and, to a lesser extent, in Turkey and the United
States.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Gains
(losses) from hedge accounting amounted to a &#8364;41 million gain in the six months
ended June 30, 2020 from the &#8364;73 million gain recorded in the six months ended
June 30, 2019.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Exchange
differences, net</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Exchange differences increased to a
&#8364;316 million gain for the six months ended June 30, 2020 from a &#8364;134 million
gain for the six months ended June 30, 2019 mainly as a result of the positive
impact of changes in exchange rates in foreign currency positions, particularly
in Turkey.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other
operating income and expense, net</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating income for the six months ended
June 30, 2020 decreased by 31.7% to &#8364;230 million compared with the &#8364;337 million
recorded for the six months ended June 30, 2019, in part as a result of the
depreciation of the main currencies where the BBVA Group operates.</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">44</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</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">

<DIV bclHeader>


<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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating expense for the six
months ended June 30, 2020 amounted to &#8364;848 million, a 14.8% decrease compared
with the &#8364;995 million recorded for the six months ended June 30, 2019, mainly
as a result of the depreciation of the main currencies where the BBVA Group
operates, offset in part by the greater contributions made to the ECB&#8217;s Single
Resolution Fund and the adjustment for hyperinflation in Argentina.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income
and expense from insurance and reinsurance contracts</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income from insurance and reinsurance contracts
for the six months ended June 30, 2020 was &#8364;1,307 million, a 15.6% decrease
compared with the &#8364;1,547 million income recorded for the for the six months
ended June 30, 2019, mainly due to the lower insurance activity related to
insurance-savings products in Spain (through BBVA Seguros) and the depreciation
of the main currencies where the BBVA Group operates against the euro.</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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Expense from insurance and reinsurance
contracts for the six months ended June 30, 2020 was &#8364;765 million, a 22.2%
decrease compared with the &#8364;983 million expense recorded for the six months
ended June 30, 2019, mainly as a result of the lower insurance activity related
to insurance-savings products in Spain (through BBVA Seguros) and the
depreciation of the main currencies where the BBVA Group operates against the
euro.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Administration
costs</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Administration costs, which include personnel
expense and other administrative expense, for the six months ended June 30,
2020 amounted to &#8364;4,746 million, a 6.6% decrease compared with the &#8364;5,084
million recorded for the six months ended June 30, 2019, mainly as a result of
lower costs in Spain driven by the efficiency plans and the depreciation of the
main currencies where the BBVA Group operates 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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The table below
provides a breakdown of personnel expense for the six months ended June 30,
2020 and June 30, 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5A21Per" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=58% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 rowspan=2 valign=bottom width=28% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=14% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="border:none;border-top:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=28% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Wages and salaries</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">2,225</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">2,435</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(8.6) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Social security costs</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">379</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">396</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(4.4) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Defined contribution plan
  expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">49</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">55</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(9.4) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Defined benefit plan expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">27</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">24</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">10.1 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Other personnel expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">195</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">222</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(12.0) </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Personnel expense</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">2,875</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">3,131</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(8.2) </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:avoid;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;">The table below provides a breakdown of other
administrative expense for the six months ended June 30, 2020 and June 30,
2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5A21Adm" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td nowrap valign=bottom width=58% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 rowspan=2 valign=bottom width=28% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&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:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=14% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="border:none;border-top:solid black 1.0pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=28% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Technology and systems</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">640 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">604 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">6.0 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Communications </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">106 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">109 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(2.8) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Advertising</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">121 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">158 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(23.4) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Properties, fixtures and
  materials</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">248 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">266 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(6.8) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">&#160;Of which:</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">&#160;&#160;&#160; Rent expense</font></i></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">46 </font></i></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">52 </font></i></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><i><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(11.5) </font></i></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Taxes other than income tax</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">199 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">203 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(2.0) </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=top width=58% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Other expense</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">558 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">612 </font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(8.9) </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=top width=58% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">Other administrative expense</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,872 </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,953 </font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">(4.1) </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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation
and amortization</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation and amortization for
the six months ended June 30, 2020 was &#8364;766 million, a 3.1% decrease compared
with the &#8364;790 million recorded for the six months ended June 30, 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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">45</font><font style="border:none;mso-ansi-language:ES-TRAD;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_48"></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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal of provisions and other
results</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal of provisions
and other results for the six months ended June 30, 2020 amounted to an expense
of &#8364;601 million, a 130.6% increase compared with the &#8364;261 million expense recorded
for the six months ended June 30, 2019, mainly as a result of higher provisions
for various purposes, including mainly contingent risks in Spain, Mexico and
Turkey.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Impairment
or reversal of impairment on financial assets not measured at fair value
through profit or loss or net gains by modification</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Impairment or reversal of impairment
on financial assets not measured at fair value through profit or loss or net
gains by modification for the six months ended June 30, 2020 was an expense of
&#8364;4,146 million, a139.5% increase&#160; compared with the &#8364;1,731 million expense
recorded for the six months ended June 30, 2019, mainly due to the
deterioration of macroeconomic conditions due to the negative effects of
COVID-19, </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">which led to significant
credit quality deterioration in the portfolio of financial assets measured at
amortized cost (mainly loans and advances to customers) in the main countries
where the Group operates</font></font><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The table below
provides a breakdown of impairment or reversal of impairment on financial
assets not measured at fair value through profit or loss or net gains by
modification for the for the six months ended June 30, 2020 and June 30, 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5A21Impaired" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.75pt;">
  <td nowrap valign=bottom width=52% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 valign=bottom width=32% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months
  ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=52% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=16% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="border:none;border-top:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td nowrap valign=bottom width=52% style="height:14.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=32% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=16% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap valign=bottom width=52% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets at fair
  value through other comprehensive income</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">71</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">5</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">n.m.(1)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td nowrap valign=bottom width=52% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Financial assets at amortized
  cost</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">4,075</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,727</font></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">136.0</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td valign=bottom width=52% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impairment or reversal of impairment on
  financial assets not measured at fair value through profit or loss or net
  gains by modification</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:double black 2.25pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">4,146</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="border:none;border-bottom:double black 2.25pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">1,731</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=16% style="height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" style="font-size:9.0pt;">139.5</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; Not meaningful.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Impairment or reversal of impairment on non-financial assets</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Impairment or reversal of impairment
on non-financial assets for the six months ended June 30, 2020 amounted to an
expense of &#8364;2,149 million, compared with the &#8364;44 million expense recorded for
the six months ended June 30, 2019, mainly as a result of the goodwill
impairment losses recognized in the United States CGU, which have been recorded
under this line item in our consolidated income statement for the six months
ended June 30, 2020, and assigned to the Corporate Center. This impairment had
a net negative impact on the &#8220;Profit attributable to parent company&#8221; of &#8364;2,084
million, and was mainly the result of the deteriorating macroeconomic scenario
following the COVID-19 pandemic, which caused the expected evolution of results
to be below the previous estimate. For additional information, see Notes 6.1
and 44 to our Unaudited Condensed Interim Consolidated Financial Statements and
&#8220;&#8212;</font><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Critical Accounting Policies&#8212;Goodwill in consolidation</font></i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;. &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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating
profit / (loss) before tax</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As a result of the foregoing,
operating loss before tax for the six months ended June 30, 2020 amounted to
&#8364;368 million, compared with the &#8364;4,052 million operating profit before tax
recorded for the six months ended June 30, 2019.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax
expense or income related to profit or loss from continuing operations</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax expense related to profit from
continuing operations for the six months ended June 30, 2020 amounted to &#8364;455
million, a 60.0% decrease compared with the &#8364;1,136 million expense recorded for
the six months ended June 30, 2019, as a result of the change in operating
profit / (loss) before tax.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit / (loss)</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As a result of the foregoing, loss
for the six months ended June 30, 2020 amounted to &#8364;823 million, compared with
the &#8364;2,916 million profit recorded for the six months ended June 30, 2019.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit
/ (loss) attributable to parent company</font></i></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 style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">As a result of the foregoing, loss
attributable to parent company for the six months ended June 30, 2020 amounted
to &#8364;1,157 million, compared with the &#8364;2,442 million profit attributable to
parent company recorded for the six months ended June 30, 2019.</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;text-indent:17.85pt;"><font style="border:none;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit
/ (loss) attributable to non-controlling interests</font></i></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;">Profit attributable to non-controlling interests
for the six months ended June 30, 2020 amounted to &#8364;333 million, a 29.7%
decrease compared with the &#8364;475 million profit attributable to non-controlling
interests recorded for the six months ended June 30, 2019. </font></font></p>



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




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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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Results of operations by operating segment for the six
months ended June 30, 2020 compared with the six months ended June 30, 2019</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The information
contained in this section is presented under management criteria.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The tables set forth
below show the income statement of our operating segments and Corporate Center
for the periods indicated. In addition, the income statement of our operating
segments and Corporate Center is reconciled to the consolidated income
statement of the Group for such periods. The &#8220;Adjustments&#8221; column in the table
for the six months ended June 30, 2020 relates to the differences between the
Group income statement and the income statement calculated in accordance with
management operating segment reporting criteria for the six months ended June
30, 2020. In particular, such differences relate to the accounting of (i) the
impairment of goodwill in the United States&#8217; CGU, which amounted to &#8364;2,084
million for the six months ended June 30, 2020, and (ii) the impairment or
reversal of impairment on tangible assets and other intangible assets, which
amounted to a &#8364;65 million expense for the six months ended June 30, 2020.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 this section,
information relating to our Corporate Center has been presented under
management criteria pursuant to which such expenses have been recognized under
the heading &#8220;Provisions or reversal of provisions and other results&#8221;. However,
for purposes of the Group financial statements, such losses are presented under
the heading &#8220;Impairment or reversal of impairment on non-financial assets&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The Group&#8217;s unaudited
condensed interim consolidated income statement for the six months ended June
30, 2019 has been restated for comparative purposes. See &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Presentation of
Financial Information&#8212;IFRS 9 &#8211; Collection of interest on impaired financial
assets</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.
&nbsp;</font></font></p>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_ReconciliationN" style="border-collapse:collapse;width:100%;">
 <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:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=9 valign=bottom width=73% 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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30, 2020</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap valign=bottom width=27% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Spain</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">The United States</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Mexico</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">South America</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Rest of Eurasia</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Corporate Center</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Adjustments (1)</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Group </font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=7 width=60% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td colspan=2 width=13% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest
  income</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,793</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,133</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,717</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,534</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,443</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">102</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(69)</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,653</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">908</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">336</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">513</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">264</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">232</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">83</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(35)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,301</font></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=27% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net gains (losses) on
  financial assets and liabilities and exchange differences, net (2)</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">165</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">148</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">231</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">127</font></font></p>
  </td>
 <td nowrap width=8% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">172</font></font></p>
  </td>
 <td nowrap width=8% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">78</font></font></p>
  </td>
 <td nowrap width=8% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">185</font></font></p>
  </td>
 <td nowrap width=7% style="height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,107</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net (3)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">34</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">88</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">32</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(183)</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">18</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(16)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gross income</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,900</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,607</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,550</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,957</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,664</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">268</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">98</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">12,045</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,298)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(853)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,042)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(479)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(636)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(128)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(310)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(4,746)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Depreciation and amortization</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(230)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(106)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(159)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(83)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(83)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(9)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(96)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(766)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before
  provisions (4)</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,371</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">648</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,349</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,394</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">945</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">131</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(307)</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,533</font></b></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td width=27% style="height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(883)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(614)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,394)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(618)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(603)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(34)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:36.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(4,146)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Provisions or reversal of
  provisions and other results</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(365)</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(19)</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(64)</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(61)</font></font></p>
  </td>
 <td nowrap width=8% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(45)</font></font></p>
  </td>
 <td nowrap width=8% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(8)</font></font></p>
  </td>
 <td nowrap width=8% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,193)</font></font></p>
  </td>
 <td nowrap width=7% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,149</font></font></p>
  </td>
 <td nowrap width=6% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(606)</font></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=27% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Impairment or reversal of
  impairment on non-financial assets</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=7% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,149)</font></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,149)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Operating&#160; profit/
  (loss) before tax</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">124</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">891</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">715</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">89</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,500)</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(368)</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=27% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Tax expense or income related
  to profit or loss from continuing operations</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(34)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(237)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(175)</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(81)</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(23)</font></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">85</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(455)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  from continuing operations</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">90</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">655</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">540</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">216</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,415)</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(823)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit&#160; / (loss) from
  discontinued operations, net</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">90</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">655</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">540</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">216</font></b></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,415)</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(823)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss) attributable
  to non-controlling interests</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(274)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(57)</font></font></p>
  </td>
 <td nowrap width=8% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=6% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(333)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=27% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  attributable to parent company</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">88</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">654</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">266</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">159</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66</font></b></font></p>
  </td>
 <td nowrap width=8% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,416)</font></b></font></p>
  </td>
 <td nowrap width=7% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=6% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,157)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:6.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160; Adjustments in the six months ended June 30, 2020 correspond
to the accounting of (i) the impairment of goodwill in the United States&#8217; CGU,
which amounted to &#8364;2,084 million for the six months ended June 30, 2020, and
(ii) the impairment or reversal of impairment on tangible assets and other
intangible assets, which amounted to a &#8364;65 million expense for the six months
ended June 30, 2020. In this section, information relating to our Corporate
Center for 2020 has been presented under management criteria pursuant to which
such losses have been recognized under the heading &#8220;Provisions or reversal of
provisions and other results&#8221;. However, for purposes of the Group financial
statements, such losses are presented under the heading &#8220;Impairment or reversal
of impairment on non-financial assets&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160; 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 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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160; Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of
entities accounted for using the equity method&#8221;, &#8220;Income/Expense from insurance
and reinsurance contracts&#8221; and &#8220;Other operating income/expense&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(4)&#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>


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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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">49</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&nbsp;</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: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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US 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_6K_SMSR_ReconciliationN1" style="border-collapse:collapse;width:100%;">
 <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:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=7 valign=bottom width=63% 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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30, 2019 (1)</font></b></font></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td nowrap valign=bottom width=27% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Spain</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">The United States</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Mexico</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Turkey </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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">South America</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Rest of Eurasia</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:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Corporate Center</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Group </font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=8 width=73% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest
  income</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,763</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,217</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,042</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,353</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,613</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">85</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(132)</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">8,941</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">846</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">320</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">621</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">360</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">298</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">69</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(44)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,470</font></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=27% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net gains (losses) on
  financial assets and liabilities and exchange differences, net (2)</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">92</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">79</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">135</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(65)</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">314</font></font></p>
  </td>
 <td nowrap width=9% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">60</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(74)</font></font></p>
  </td>
 <td nowrap width=10% style="height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">542</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net (3)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">72</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">102</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">30</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(231)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13</font></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Gross income</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,773</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,615</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,901</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,677</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,994</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">220</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(236)</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11,944</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,389)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(849)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,118)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(508)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(695)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(133)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(391)</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5,084)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Depreciation and amortization</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(239)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(110)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(172)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(86)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(84)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(9)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(91)</font></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(790)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before
  provisions (4)</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,145</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">655</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,611</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,084</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,215</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">78</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(718)</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6,069</font></b></font></p>
  </td>
 </tr>
<tr style="height:36.0pt;">
  <td width=27% style="height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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=9% style="border:none;height:36.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">70</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(286)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(818)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(337)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(349)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(11)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:36.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:36.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,731)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Provisions or reversal of
  provisions and other results</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(188)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(21)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(19)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(44)</font></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(286)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Operating&#160; profit/
  (loss) before tax</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,027</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">363</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,783</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">726</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">847</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">69</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(762)</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4,052</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td width=27% style="height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Tax expense or income related
  to profit or loss from continuing operations</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(292)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(67)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(496)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(153)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(271)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(13)</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">156</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,136)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit from
  continuing operations</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">735</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,287</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">573</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">576</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(606)</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,916</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit&#160; / (loss) from
  discontinued operations, net</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black face=BBVABentonSansLight style="border:none;"><font color=black face=BBVABentonSansLight lang=EN-US style="font-size:8.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">735</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,287</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">573</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">576</font></b></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(606)</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,916</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=27% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit attributable to
  non-controlling interests </font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(291)</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(171)</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(475)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=27% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit
  attributable to parent company</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">734</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,287</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">282</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">404</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(616)</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,442</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160; Restated. See &#8220;Presentation of Financial Information&#8212;IFRS 9 &#8211;
Collection of interest on impaired financial assets&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160; &#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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3) Includes &#8220;Dividend income&#8221;, &#8220;Share of profit or loss of
entities accounted for using the equity method&#8221;, &#8220;Income/Expense from insurance
and reinsurance contracts&#8221; and &#8220;Other operating income/expense&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(4)&#160;&#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>


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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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">50</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_53"></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: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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_Spain" style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=59% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30,</font></b></font></p>
  </td>
 <td width=9% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=59% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&nbsp;</font></font></p>
  </td>
 <td width=16% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019 (1)</font></u></b></font></p>
  </td>
 <td width=9% style="height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:36.75pt;">
  <td width=59% style="height:36.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=32% style="height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=9% style="height:36.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,793</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,763</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.7 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">908</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">846</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">7.4
  </font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td valign=bottom width=59% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net gains (losses) on
  financial assets and liabilities and exchange differences, net (2)</font></font></p>
  </td>
 <td width=16% style="height:27.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">165</font></font></p>
  </td>
 <td width=16% style="height:27.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">92</font></font></p>
  </td>
 <td nowrap width=9% style="height:27.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">79.6
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=59% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net</font></font></p>
  </td>
 <td width=16% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(203)</font></font></p>
  </td>
 <td width=16% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(185)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">9.3
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=59% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Income and expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">237</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">258</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(8.2)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,900</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,773</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">4.6 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,298)</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,389)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6.6)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(230)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(239)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3.5)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,371</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,145</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">19.8 </font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=59% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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="border:none;height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(883)</font></font></p>
  </td>
 <td width=16% style="border:none;height:24.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">70</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (4)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=59% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(365)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(188)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">94.6
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">124</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,027</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(88.0) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(34)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(292)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(88.3)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=59% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  from continuing operations</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">90</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">735</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(87.8) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">90</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">735</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(87.8) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">46.1
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  attributable to parent company</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">88</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">734</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(88.1) </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; Restated. See &#8220;Presentation of Financial Information&#8212;IFRS 9
&#8211; Collection of interest on impaired financial assets&#8221;.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160; 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 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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160; 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:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(4)&#160;&#160; Not meaningful.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">51</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net interest income</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net interest income
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;1,793 million, a 1.7% increase compared with the &#8364;1,763 million recorded for
the six months ended June 30, 2019, mainly as a result of the higher
contribution from the ALCO portfolio and lower funding costs. The net interest
margin over total average assets of this operating segment amounted to 0.45% for
the six months ended June 30, 2020, compared with 0.50% for the six months
ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net fees and
commissions</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net fees and
commissions of this operating segment for the six months ended June 30, 2020
amounted to &#8364;908 million, a 7.4% increase compared with the &#8364;846 million
recorded for the six months ended June 30, 2019, mainly due to the increase in
fee and commission income from asset management activities.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net gains on
financial assets and liabilities and exchange differences of this operating
segment for the six months ended June 30, 2020 was a net gain of &#8364;165 million,
a 79.6% increase compared with the &#8364;92 million net gain recorded for the six
months ended June 30, 2019, mainly as a result of the greater ALCO portfolio
sales.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating income
and expense, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Other net operating
expense of this operating segment for the six months ended June 30, 2020 amounted
to &#8364;203 million, a 9.3% increase compared with the &#8364;185 million expense
recorded for the six months ended June 30, 2019, mainly due to the greater
contributions made to the ECB&#8217;s Single Resolution Fund.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income and expense from
insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net income from
insurance and reinsurance contracts of this operating segment for the six
months ended June 30, 2020 was &#8364;237 million, a 8.2% decrease compared with the
&#8364;258 million recorded for the six months ended June 30, 2019, mainly as a
result of lower insurance activity related to insurance-savings products in
Spain (through BBVA Seguros).</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Administration costs
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;1,298 million, a 6.6% decrease compared with the &#8364;1,389 million recorded for
the six months ended June 30, 2019, mainly as a result of cost reduction plans.
</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation and amortization</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Depreciation and
amortization for the six months ended June 30, 2020 was &#8364;230 million, a 3.5%
decrease compared with the &#8364;239 million recorded for the six months ended June
30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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:0cm;margin-bottom:10.0pt;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;">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
six months ended June 30, 2020 amounted to a &#8364;883 million expense compared with
the &#8364;70 million gain recorded for the six months ended June 30, 2019, mainly as
a result of the deterioration of macroeconomic conditions caused by COVID-19
(which led to significant credit quality deterioration in the portfolio of
financial assets measured at amortized cost (mainly loans and advances to
customers)).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal
of provisions and other results</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Provisions or
reversal of provisions and other results of this operating segment for the six
months ended June 30, 2020 were a &#8364;365 million expense, compared with the &#8364;188
million expense recorded for the six months ended June 30, 2019, mainly due to
higher provisions for various purposes, including potential claims. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating profit/
(loss) before tax</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, operating profit before tax of this operating segment for the six
months ended June 30, 2020 was &#8364;124 million, compared with the &#8364;1,027 million
profit recorded for the six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax expense or income
related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Tax expense related
to profit from continuing operations of this operating segment for the six
months ended June 30, 2020 was &#8364;34 million, compared with the &#8364;292 million
expense recorded for the six months ended June 30, 2019 as a result of the
lower operating profit recorded during the six months ended June 30, 2020.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit / (loss)
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, profit attributable to parent company of this operating segment for
the six months ended June 30, 2020 amounted to &#8364;88 million, compared with the
&#8364;734 million profit recorded for the six months ended June 30, 2019.
</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_USA" style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=59% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=59% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=59% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=9% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,133</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,217</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6.9) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">336</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">320</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5.2
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">148</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">79</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">87.3
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=59% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net</font></font></p>
  </td>
 <td width=16% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></font></p>
  </td>
 <td width=16% style="height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=59% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Income and expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,607</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,615</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(0.5) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(853)</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(849)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.4
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(106)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(110)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3.6)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before
  provisions (2)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">648</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">655</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1.1) </font></b></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td valign=bottom width=59% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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="border:none;height:21.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(614)</font></font></p>
  </td>
 <td width=16% style="border:none;height:21.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(286)</font></font></p>
  </td>
 <td nowrap width=9% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">114.5
  </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=59% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(19)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">15</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">363</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(95.8) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(67)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=59% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss) from
  continuing operations</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(91.4) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(91.4) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  attributable to parent company</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(91.4) </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; 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 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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#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:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160; Not meaningful.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 the six months
ended June 30, 2020 the U.S. dollar appreciated 2.5% against the euro in
average terms, resulting in a positive exchange rate effect on our consolidated
income statement for the six months ended June 30, 2020 and in the results of
operations of the United States operating segment for such period expressed in
euros. See </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;&#8213;Factors Affecting the Comparability of our Results of
Operations and Financial Condition&#8213;Trends in Exchange Rates</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.
&nbsp;</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net interest income</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net interest income
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;1,133 million, a 6.9% decrease compared with the &#8364;1,217 million recorded for
the six months ended June 30, 2019, mainly due to the Federal Reserve&#8217;s
decrease in interest rates since the second half of 2019 (by 225 basis points
in total), offset modestly by the appreciation of the U.S. dollar against the
euro. The net interest margin over total average assets of this operating
segment amounted to 1.17% for the six months ended June 30, 2020, compared with
1.45% for the six months ended June 30, 2019. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net fees and
commissions</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net fees and
commissions of this operating segment for the six months ended June 30, 2020
amounted to &#8364;336 million, a 5.2% increase compared with the &#8364;320 million
recorded for the six months ended June 30, 2019, mainly due to higher fees
generated by the Global Markets unit in BBVA USA and the appreciation of the
U.S. dollar against the euro. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net gains (losses) on
financial assets and liabilities and exchange differences of this operating
segment for the six months ended June 30, 2020 was a net gain of &#8364;148 million,
a 87.3% increase compared with the &#8364;79 million gain recorded for the six months
ended June 30, 2019, mainly as a result of higher ALCO portfolio gains in the
first half of 2020 and the appreciation of the U.S. dollar against the euro. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating income
and expense, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Other net operating
expense of this operating segment for the six months ended June 30, 2020
amounted to &#8364;10 million, compared with the &#8364;1 million expense recorded for the
six months ended June 30, 2019.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Administration costs
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;853 million, a 0.4% increase compared with the &#8364;849 million recorded for the
six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation and
amortization</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Depreciation and
amortization for the six months ended June 30, 2020 was &#8364;106 million, a 3.6%
decrease compared with the &#8364;110 million recorded for the six months ended June
30, 2019.
</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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:0cm;margin-bottom:10.0pt;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;">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
six months ended June 30, 2020 was a &#8364;614 million expense, a 114.5% increase compared
with the &#8364;286 million expense recorded for the six months ended June 30, 2019,
mainly as a result of macroeconomic deterioration due to the negative effects
of the COVID-19 pandemic (which led to significant credit quality deterioration
in the portfolio of financial assets measured at amortized cost (mainly loans
and advances to customers)) and, to a lesser extent, higher loan loss
allowances for specific corporate portfolio customers. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal
of provisions and other results</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Provisions or
reversal of provisions and other results of this operating segment for the six
months ended June 30, 2020 were a &#8364;19 million expense, compared with the &#8364;6
million expense recorded for the six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating profit/
(loss) before tax</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, operating profit before tax of this operating segment for the six
months ended June 30, 2020 was &#8364;15 million, compared with the &#8364;363 million of
operating profit recorded for the six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax expense or income
related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Tax income related to
profit from continuing operations of this operating segment for the six months
ended June 30, 2020 was &#8364;11 million, compared with the &#8364;67 million expense
recorded for the six months ended June 30, 2019, as a result of the lower
operating profit before tax and changes to the applicable tax rate.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit / (loss)
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the foregoing,
profit attributable to parent company of this operating segment for the six
months ended June 30, 2020 amounted to &#8364;26 million, compared with the &#8364;297
million profit recorded for the six months ended June 30, 2019.
</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_Mexico" style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=57% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30,</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:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=57% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,717</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,042</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10.7) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">513</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">621</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(17.5)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">231</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">135</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">71.0
  </font></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td nowrap valign=bottom width=57% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net</font></font></p>
  </td>
 <td width=16% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(129)</font></font></p>
  </td>
 <td width=16% style="height:15.6pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(132)</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2.4)
  </font></font></p>
  </td>
 </tr>
<tr style="height:15.6pt;">
  <td nowrap valign=bottom width=57% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Income and expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">217</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:15.6pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">233</font></font></p>
  </td>
 <td nowrap valign=bottom width=11% style="height:15.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(7.0)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,550</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3,901</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(9.0) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,042)</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,118)</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6.8)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(159)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(172)</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(7.8)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before
  provisions (2)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,349</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,611</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10.0) </font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td valign=bottom width=57% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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="border:none;height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1,394)</font></font></p>
  </td>
 <td width=16% style="border:none;height:21.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(818)</font></font></p>
  </td>
 <td nowrap width=11% style="height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">70.5
  </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=57% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(64)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">891</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,783</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(50.0) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(237)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(496)</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(52.4)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss) 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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">655</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,287</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(49.1) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">655</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,287</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(49.1) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  attributable to parent company</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">654</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,287</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(49.1) </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:6.0pt;page-break-after:avoid;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;">&#160;&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; 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 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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#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:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160;&#160; Not meaningful.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 the six months
ended June 30, 2020, the Mexican peso depreciated 9.3% against the euro in
average terms compared with the same period of the prior year, resulting in a negative
exchange rate effect on our consolidated income statement for the six months
ended June 30, 2020 and in the results of operations of the Mexico operating
segment for such period expressed in euros. See </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;&#8213;Factors Affecting
the Comparability of our Results of Operations and Financial
Condition&#8213;Trends in Exchange Rates</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.
&nbsp;</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net interest income</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net interest income
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;2,717 million, a 10.7% decrease compared with the &#8364;3,042 million recorded for
the six months ended June 30, 2019, mainly as a result of the decrease in the interest
reference rate by 225 basis points during the first half of 2020 as a
consequence of the COVID-19 pandemic and the depreciation of the Mexican peso
against the euro, partially offset by increases in the volume of
interest-earning assets in the retail portfolio and in the wholesale portfolio.
The net interest margin over total average assets of this operating segment
amounted to 2.46% for the six months ended June 30, 2020, compared with 2.97%
for the six months ended June 30, 2019. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net fees and
commissions</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net fees and
commissions of this operating segment for the six months ended June 30, 2020
amounted to &#8364;513 million, a 17.5% decrease compared with the &#8364;621 million
recorded for the six months ended June 30, 2019, mainly due to the decreased
volume of transactions with credit card customers as a result of the lockdown
derived from the COVID-19 pandemic, and the depreciation of the Mexican peso.
At a constant exchange rate, there was a 9.0% decrease.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net gains on
financial assets and liabilities and exchange differences of this operating
segment for the six months ended June 30, 2020 were &#8364;231 million, a 71.0%
increase compared with the &#8364;135 million gain recorded for the six months ended
June 30, 2019, mainly as a result of increased sales in the Global Markets unit
in Mexico.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating income
and expense, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Other operating
income and expense, net of this operating segment for the six months ended June
30, 2020 was a net expense of &#8364;129 million, a 2.4% decrease compared with the
&#8364;132 million net expense recorded for the six months ended June 30, 2019. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income and expense from
insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net income from
insurance and reinsurance contracts of this operating segment for the six
months ended June 30, 2020 was &#8364;217 million, a 7.0% decrease compared with the
&#8364;233 million net income recorded for the six months ended June 30, 2019, mainly
due to the depreciation of the Mexican peso, partially offset by the positive
performance of the BBVA Seguros portfolio in Mexico.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Administration costs
of this operating segment for the six months ended June 30, 2020 were &#8364;1,042
million, a 6.8% decrease compared with the &#8364;1,118 million recorded for the six
months ended June 30, 2019, mainly as a result of the depreciation of the
Mexican peso. At a constant exchange rate, administration costs increased by
2.8%, which was below Mexico&#8217;s inflation rate for the period.
</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation and amortization</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Depreciation and
amortization for the six months ended June 30, 2020 was &#8364;159 million, a 7.8%
decrease compared with the &#8364;172 million recorded for the six months ended June
30, 2019, mainly due to the depreciation of the Mexican peso against the euro. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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:0cm;margin-bottom:10.0pt;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;">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
six months ended June 30, 2020 was a &#8364;1,394 million expense, a 70.5% increase
compared with the &#8364;818 million expense recorded for the six months ended June
30, 2019, mainly due to the macroeconomic deterioration as a result of the
negative effects of the COVID-19 pandemic (which led to significant credit
quality deterioration in the portfolio of financial assets measured at
amortized cost (mainly loans and advances to customers)).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal
of provisions and other results</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Provisions or
reversal of provisions and other results of this operating segment for the six
months ended June 30, 2020 were a &#8364;64 million expense compared with the &#8364;10
million expense recorded for the six months ended June 30, 2019, mainly due to
higher provisions for contingent risks.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating profit/
(loss) before tax</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, operating profit before tax of this operating segment for the six
months ended June 30, 2020 was &#8364;891 million, a 50.0% decrease compared with the
&#8364;1,783 million of operating profit recorded for the six months ended June 30,
2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax expense or income
related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Tax expense related
to profit from continuing operations of this operating segment for the six
months ended June 30, 2020 was &#8364;237 million, a 52.4% decrease compared with the
&#8364;496 million expense recorded for the six months ended June 30, 2019, mainly as
a result of lower operating profit before tax.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit / (loss)
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, profit attributable to parent company of this operating segment for
the six months ended June 30, 2020 amounted to &#8364;654 million, a 49.1% decrease
compared with the &#8364;1,287 million recorded for the six months ended June 30, 2019.
</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_Turkey" style="border-collapse:collapse;width:100%;">
 <tr style="height:35.25pt;">
  <td nowrap valign=bottom width=59% style="height:35.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=32% style="height:35.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:35.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap valign=bottom width=59% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=16% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=16% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=9% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=59% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=9% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,534</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,353</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13.4 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">264</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">360</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(26.7)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">127</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(65)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td nowrap valign=bottom width=59% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net</font></font></p>
  </td>
 <td width=16% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(6)</font></font></p>
  </td>
 <td width=16% style="height:14.45pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">6</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td nowrap valign=bottom width=59% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Income and expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:14.45pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">38</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:14.45pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">56.7
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,957</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,677</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16.7 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(479)</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(508)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5.7)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(83)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(86)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3.1)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before
  provisions (2)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,394</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,084</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">28.7 </font></b></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td valign=bottom width=59% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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="border:none;height:21.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(618)</font></font></p>
  </td>
 <td width=16% style="border:none;height:21.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(337)</font></font></p>
  </td>
 <td nowrap width=9% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">83.6
  </font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=59% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(61)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(21)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">715</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">726</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1.4) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(175)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(153)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">14.7
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">540</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">573</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5.7) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">540</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">573</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5.7) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(274)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(291)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5.9)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss) attributable
  to parent company</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">266</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">282</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(5.5) </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; 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 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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#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:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160;&#160; Not meaningful.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The Turkish lira
depreciated 11.1% against the euro in average terms in the six months ended
June 30, 2020, resulting in a negative exchange rate effect on our consolidated
income statement for the six months ended June 30, 2020 and in the results of
operations of the Turkey operating segment for such period expressed in euros.
See </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;&#8213;Factors Affecting the Comparability of our Results of Operations
and Financial Condition&#8213;Trends in Exchange Rates</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.
&nbsp;</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">60</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net interest income</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net interest income
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;1,534 million, a 13.4% increase compared with the &#8364;1,353 million recorded for
the six months ended June 30, 2019, mainly as a result of the higher customer
spreads in Turkish lira-denominated loans and higher loan volumes, which was
partially offset by a lower contribution from inflation-linked bonds and the
depreciation of the Turkish lira against the euro. The net interest margin over
total average assets of this operating segment amounted to 2.40% for the six
months ended June 30, 2020, compared with 2.04% for the six months ended June
30, 2019. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net fees and
commissions</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net fees and
commissions of this operating segment for the six months ended June 30, 2020
amounted to &#8364;264 million, a 26.7% decrease compared with the &#8364;360 million
recorded for the six months ended June 30, 2019, mainly as a result of a
reduction in the commissions charged to customers, the impact of the COVID-19
pandemic on the volume of transactions and the depreciation of the Turkish
lira.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net gains (losses) on
financial assets and liabilities and exchange differences of this operating
segment for the six months ended June 30, 2020 were a &#8364;127 million gain,
compared with the &#8364;65 million loss recorded for the six months ended June 30,
2019, mainly as a result of the positive impact of changes in exchange rates on
foreign currency positions and the results generated by trading transactions.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating income
and expense, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Other net operating
expense of this operating segment for the six months ended June 30, 2020 was &#8364;6
million compared with the &#8364;6 million income recorded for the six months ended
June 30, 2019, mainly due to the depreciation of the Turkish lira.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income and expense from
insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net income from
insurance and reinsurance contracts of this operating segment for the six
months ended June 30, 2020 was &#8364;38 million compared with the &#8364;24 million income
recorded for the six months ended June 30, 2019, mainly as a result of higher
sales in the insurance business, partially offset by the depreciation of the
Turkish lira.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Administration costs
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;479 million, a 5.7% decrease compared with the &#8364;508 million recorded for the
six months ended June 30, 2019, mainly as a result of the depreciation of the
Turkish lira. At a constant exchange rate, administration costs increased by
6.2%, which was below Turkey&#8217;s inflation rate for the period.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">61</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation and amortization</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Depreciation and
amortization for the six months ended June 30, 2020 was &#8364;83 million, a 3.1%
decrease compared with the &#8364;86 million recorded for the six months ended June
30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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:0cm;margin-bottom:10.0pt;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;">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
six months ended June 30, 2020 was a &#8364;618 million expense, a 83.6% increase
compared with the &#8364;337 million expense recorded for the six months ended June
30, 2019, mainly due to the macroeconomic deterioration as a result of the
negative effects of the COVID-19 pandemic (which led to significant credit quality
deterioration in the portfolio of financial assets measured at amortized cost
(mainly loans and advances to customers)) and to certain allowances for loan
losses for specific commercial portfolio customers. </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal
of provisions and other results</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Provisions or
reversal of provisions and other results of this operating segment for the six months
ended June 30, 2020 were a &#8364;61 million expense compared with the &#8364;21 million
expense recorded for the six months ended June 30, 2019, mainly due to higher
provisions for various purposes, including contingent risks.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating profit /
(loss) before tax</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, operating profit before tax of this operating segment for the six
months ended June 30, 2020 was &#8364;715 million, a 1.4% decrease compared with the
&#8364;726 million of operating profit before tax recorded for the six months ended
June 30, 2019. At a constant exchange rate, operating profit increased by
10.9%.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax expense or income
related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Tax expense related
to profit from continuing operations of this operating segment for the six
months ended June 30, 2020 was &#8364;175 million, a 14.7% increase compared with the
&#8364;153 million expense recorded for the six months ended June 30, 2019, mainly as
a result of an increase in deferred tax expense, particularly in relation to
loss allowances.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit attributable to
non-controlling interests</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Profit attributable
to non-controlling interests of this operating segment for the six months ended
June 30, 2020 amounted to &#8364;274 million, a 5.9% decrease compared with the &#8364;291
million recorded for the six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit / (loss)
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, profit attributable to parent company of this operating segment for
the six months ended June 30, 2020 amounted to &#8364;266 million, a 5.5% decrease
compared with the &#8364;282 million recorded for the six months ended June 30, 2019.
</font></font></p>


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</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: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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_SouthAmerica" style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=56% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30,</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:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=56% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=56% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In %)</font></b></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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net interest
  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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,443</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,613</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10.5) </font></b></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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></font></p>
  </td>
 <td width=15% style="border:none;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">232</font></font></p>
  </td>
 <td width=15% style="border:none;height:12.0pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">298</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(22.3)
  </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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">172</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">314</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(45.2)
  </font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td nowrap valign=bottom width=56% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net</font></font></p>
  </td>
 <td width=15% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(231)</font></font></p>
  </td>
 <td width=15% style="height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(285)</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(18.8)
  </font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td nowrap valign=bottom width=56% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Income and expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:14.45pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">49</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:14.45pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">54</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(9.6)
  </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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,664</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,994</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(16.5) </font></b></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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td width=15% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(636)</font></font></p>
  </td>
 <td width=15% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(695)</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(8.5)
  </font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td nowrap valign=bottom width=56% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Depreciation and amortization</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(83)</font></font></p>
  </td>
 <td width=15% style="border:none;border-bottom:solid black 1.0pt;height:14.45pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(84)</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1.8)
  </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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">945</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,215</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(22.3) </font></b></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td valign=bottom width=56% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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="border:none;height:23.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(603)</font></font></p>
  </td>
 <td width=15% style="border:none;height:23.25pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(349)</font></font></p>
  </td>
 <td nowrap width=14% style="height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">72.5
  </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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(45)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(19)</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">297</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">847</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(64.8) </font></b></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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(81)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(271)</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(70.1)
  </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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">216</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">576</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(62.6) </font></b></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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></b></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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">216</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">576</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(62.6) </font></b></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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(57)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(171)</font></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(66.9)
  </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 style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  attributable to parent company</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">159</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">404</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=14% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(60.6) </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; 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 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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#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:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160; Not meaningful.
</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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">63</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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: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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 the six months ended June 30, 2020, the Argentine peso,
the Colombian peso and the Peruvian sol depreciated by 14.6% (considering the
period-end exchange rates), 9.7% and 0.8%, respectively, against the euro in
average terms, compared with the six months ended June 30, 2019. Overall,
changes in exchange rates resulted in a negative exchange rate effect on our
consolidated income statement for the six months ended June 30, 2020 and in the
results of operations of the South America operating segment for such period
expressed in euros. See </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;&#8213;Factors Affecting the Comparability of our
Results of Operations and Financial Condition&#8213;Trends in Exchange Rates</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 of and for the six
months ended June 30, 2020 and 2019 the Argentine and Venezuelan economies were
considered to be hyperinflationary as defined by IAS 29 (see &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Presentation
of Financial Information&#8212;Changes in Accounting Policies&#8212;Hyperinflationary
economies</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; in our 2019 Form 20-F and &#8220;Presentation of Financial
Information&#8212;Hyperinflationary economies&#8221; herein).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net interest income</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net interest income
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;1,443 million, a 10.5% decrease compared with the &#8364;1,613 million recorded for
the six months ended June 30, 2019, mainly as a result of the depreciation of
the Argentine peso and, to a lesser extent, the Colombian peso against the
euro, partially offset by the growth in the yield on interest-earning assets
and the increase in the average volume of interest-earning assets in retail and
corporate banking, mainly in Peru. At constant exchange rates, there was a 6.8%
increase. The net interest margin over total average assets of this operating
segment amounted to 2.58% for the six months ended June 30, 2020, compared with
2.87% for the six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net fees and
commissions</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net fees and
commissions of this operating segment for the six months ended June 30, 2020
amounted to &#8364;232 million, a 22.3% decrease compared with the &#8364;298 million
recorded for the six months ended June 30, 2019, mainly as a result of lower
transaction volumes during the COVID-19 pandemic, the reduction of certain
commissions imposed as a result of the COVID-19 pandemic and the depreciation
of the Argentine peso and, to a lesser extent, the Colombian peso. At a
constant exchange rate, there was a 9.9% decrease.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net gains on financial
assets and liabilities and exchange differences of this operating segment for
the six months ended June 30, 2020 were &#8364;172 million, a 45.2% decrease compared
with the &#8364;314 million gain recorded for the six months ended June 30, 2019. Net
gains on financial assets and liabilities and exchange differences of this
operating segment for the six months ended June 30, 2019 was positively
affected by the sale of the stake BBVA Argentina had in Prisma Medios de Pago
S.A. in the first quarter of 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating income
and expense, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Other net operating
expense of this operating segment for the six months ended June 30, 2020 was
&#8364;231 million, an 18.8% decrease compared with the &#8364;285 million recorded for the
six months ended June 30, 2019, mainly as a result of the adjustment for
hyperinflation in Argentina and, to a lesser extent, the depreciation of the Colombian
peso.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Income and expense from
insurance and reinsurance contracts</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net income from
insurance and reinsurance contracts of this operating segment for the six
months ended June 30, 2020 was &#8364;49 million, a 9.6% decrease compared with the
&#8364;54 million net income recorded for the six months ended June 30, 2019, mainly
as a result of the depreciation of the Argentine peso and, to a lesser extent,
the Colombian peso. At constant exchange rates, there was an 8.4% increase
mainly explained by the positive performance in Colombia, mainly as a result of
an increase in life insurance, and Argentina.</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">64</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Administration costs</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Administration costs
of this operating segment for the six months ended June 30, 2020 amounted to &#8364;636
million, an 8.5% decrease compared with the &#8364;695 million recorded for the six
months ended June 30, 2019, mainly as a result of the depreciation of the
Argentine peso and the Colombian peso against the euro. At constant exchange
rates, there was a 9.3% increase, mainly due to the high inflation registered
in Argentina.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation and
amortization</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Depreciation and
amortization for the six months ended June 30, 2020 was &#8364;83 million, a 1.8%
decrease compared with the &#8364;84 million recorded for the six months ended June
30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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:0cm;margin-bottom:10.0pt;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;">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
six months ended June 30, 2020 was a &#8364;603 million expense, a 72.5% increase
compared with the &#8364;349 million expense recorded for the six months ended June
30, 2019, mainly due to the deterioration in the macroeconomic scenario caused
by the impact of COVID-19 (which led to significant credit quality
deterioration in the portfolio of financial assets measured at amortized cost
(mainly loans and advances to customers), in particular in Peru, Colombia and
Argentina), partially offset by the depreciation of the Argentine peso and the
Colombian peso against the euro.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal
of provisions and other results</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Provisions or
reversal of provisions and other results of this operating segment for the six
months ended June 30, 2020 were a &#8364;45 million expense compared with the &#8364;19
million expense recorded for the six months ended June 30, 2019, mainly due to
an increase in provisions for various purposes.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating profit/
(loss) before tax</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, operating profit before tax of this operating segment for the six
months ended June 30, 2020 was &#8364;297 million, a 64.8% decrease compared with the
&#8364;847 million of operating profit recorded for the six months ended June 30,
2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax expense or income
related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Tax expense related
to profit from continuing operations of this operating segment for the six
months ended June 30, 2020 was &#8364;81 million, a 70.1% decrease compared with the
&#8364;271 million expense recorded for the six months ended June 30, 2019, mainly as
a result of the lower operating profit before tax.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit attributable to
non-controlling interests</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Profit attributable
to non-controlling interests of this operating segment for the six months ended
June 30, 2020 amounted to &#8364;57 million, a 66.9% decrease compared with the &#8364;171
million recorded for the six months ended June 30, 2019, due to the lower
operating profit before tax.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit/ (loss)
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, profit attributable to parent company of this operating segment for
the six months ended June 30, 2020 amounted to &#8364;159 million, a 60.6% decrease
compared with the &#8364;404 million recorded for the six months ended June 30, 2019.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">65</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_Eurasia" style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=59% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=59% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=9% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">102</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">85</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">21.0 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">83</font></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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">69</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">19.6
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">78</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">60</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">29.7
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap valign=bottom width=59% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net</font></font></p>
  </td>
 <td width=16% style="height:12.6pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2</font></font></p>
  </td>
 <td width=16% style="height:12.6pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(31.0)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td nowrap valign=bottom width=59% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Income and expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.6pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">3</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">0.5
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">268</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">220</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">22.0 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(128)</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(133)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(3.7)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(9)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(9)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2.8
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before
  provisions (2)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">131</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">78</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">68.4 </font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=59% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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="border:none;height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(34)</font></font></p>
  </td>
 <td width=16% style="border:none;height:24.75pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(11)</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=59% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(8)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">89</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">69</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">30.3 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(23)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(13)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">71.9
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">20.2 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">20.2 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=59% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  attributable to parent company</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">66</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">55</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">20.2 </font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; 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 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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#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:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160; Not meaningful.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">66</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net interest income</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net interest income
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;102 million, a 21.0% increase compared with the &#8364;85 million recorded for the
six months ended June 30, 2019, mainly due to increased transactional banking
and investment activity. The net interest margin over total average assets of
this operating segment amounted to 0.41% for the six months ended June 30, 2020
compared with 0.42% for the six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net fees and
commissions</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net fees and
commissions of this operating segment for the six months ended June 30, 2020
amounted to &#8364;83 million, a 19.6% increase compared with the &#8364;69 million
recorded for the six months ended June 30, 2019, mainly due to increased
transactional banking and investment activity.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net gains on financial
assets and liabilities and exchange differences of this operating segment for
the six months ended June 30, 2020 were &#8364;78 million, a 29.7% increase compared
with the &#8364;60 million net gain recorded for the six months ended June 30, 2019,
mainly due to increased commercial activity in the Rest of Eurasia&#8217;s Global
Markets unit.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating income
and expense, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Other net operating
income of this operating segment for the six months ended June 30, 2020 was &#8364;2
million, compared with the &#8364;3 million other net operating income recorded for
the six months ended June 30, 2019.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Administration costs
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;128 million, a 3.7% decrease compared with the &#8364;133 million recorded for the
six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation and
amortization</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Depreciation and
amortization for the six months ended June 30, 2020 was &#8364;9 million for the six
months ended June 30, 2020 and June 30, 2019.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">67</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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:0cm;margin-bottom:10.0pt;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;">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
six months ended June 30, 2020 amounted to an expense of &#8364;34 million compared
with the &#8364;11 million expense recorded for the six months ended June 30, 2019
mainly as result of higher loan loss allowances for a specific customer
portfolio.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal
of provisions and other results</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Provisions or
reversal of provisions and other results of this operating segment for the six
months ended June 30, 2020 was a &#8364;8 million expense compared with the &#8364;1
million income recorded for the six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating profit/(loss)
before tax</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, operating profit before tax of this operating segment for the six
months ended June 30, 2020 was &#8364;89 million, a 30.3% increase compared with the
&#8364;69 million of operating profit recorded for the six months ended June 30,
2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax expense or income
related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Tax expense related
to profit from continuing operations of this operating segment for the six
months ended June 30, 2020 was &#8364;23 million, a 71.9% increase compared with the
&#8364;13 million expense recorded for the six months ended June 30, 2019, as a
result of the higher operating profit recorded during the six months ended June
30, 2020.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit/ (loss)
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, profit attributable to parent company of this operating segment for
the six months ended June 30, 2020 amounted to &#8364;66 million, a 20.2% increase
compared with the &#8364;55 million recorded for the six months ended June 30, 2019.
</font></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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_Corporate" style="border-collapse:collapse;width:100%;">
 <tr style="height:26.25pt;">
  <td nowrap valign=bottom width=57% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=34% style="height:26.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For the six months ended June 30,</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</font></u></b></font></p>
  </td>
 <td valign=bottom width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></u></b></font></p>
  </td>
 <td valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Change</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=57% style="height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=34% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of Euros)</font></b></font></p>
  </td>
 <td width=9% style="height:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In %)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(69)</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(132)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(47.3) </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net fees and commissions</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(35)</font></font></p>
  </td>
 <td width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(44)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(20.9)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">185</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(74)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=57% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other operating income and
  expense, net</font></font></p>
  </td>
 <td width=16% style="height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">28</font></font></p>
  </td>
 <td width=18% style="height:12.95pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16.5
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.95pt;">
  <td nowrap valign=bottom width=57% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Income and expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.95pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1.8
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">98</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(236)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m. (3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Administration costs</font></font></p>
  </td>
 <td width=16% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(310)</font></font></p>
  </td>
 <td width=18% style="border:none;height:12.0pt;padding:0cm 20.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(391)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(20.8)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(96)</font></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(91)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">5.4
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Net margin before
  provisions (2)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(307)</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(718)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(57.2) </font></b></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td valign=bottom width=57% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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="border:none;height:21.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td width=18% style="border:none;height:21.75pt;padding:0cm 23.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:21.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap valign=bottom width=57% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,193)</font></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(44)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,500)</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(762)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m. (3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">85</font></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">156</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(45.5)
  </font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)
  from continuing operations excluding corporate 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,415)</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(606)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m. (3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss)</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,415)</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(606)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m. (3)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(1)</font></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(10)</font></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m.
  (3)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Profit / (loss) attributable
  to parent company</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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(2,416)</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">(616)</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=9% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;text-indent:17.85pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">n.m. (3)</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(1)&#160;&#160; 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 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:0cm;margin-bottom:.0001pt;margin-left:14.2pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(2)&#160;&#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:0cm;margin-bottom:10.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:0cm;text-align:justify;text-indent:-14.2pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(3)&#160;&#160; Not meaningful.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">69</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net interest income / (expense)</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net interest expense
of this operating segment for the six months ended June 30, 2020 was &#8364;69
million, a 47.3% decrease compared with the &#8364;132 million net expense recorded
for the six months ended June 30, 2019, mainly due to lower funding costs as a
result of the reductions in reference interest rates.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net fees and
commissions</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net fees and
commissions of this operating segment for the six months ended June 30, 2020
was an expense of &#8364;35 million, a 20.9% decrease compared with the &#8364;44 million
expense recorded for the six months ended June 30, 2019, in which there were
higher fees and commissions paid related to the issuance and placement of
contingent convertible bonds.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Net gains (losses) on
financial assets and liabilities and exchange differences, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Net gains on
financial assets and liabilities and exchange differences of this operating
segment for the six months ended June 30, 2020 were &#8364;185 million, compared with
the &#8364;74 million loss recorded for the six months ended June 30, 2019, mainly as
a result of the positive impact of changes in exchange rates on foreign
currency positions.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Other operating income
and expense, net</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Other net operating
expense of this operating segment for the six months ended June 30, 2020 was
&#8364;28 million, compared with the &#8364;24 million net expense recorded for the six
months ended June 30, 2019.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Administration costs
of this operating segment for the six months ended June 30, 2020 amounted to
&#8364;310 million, a 20.8% decrease compared with the &#8364;391 million recorded for the
six months ended June 30, 2019, mainly as a result of the decrease in personnel
expense and certain other general expenses.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Depreciation and
amortization</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Depreciation and
amortization for the six months ended June 30, 2020 was &#8364;96 million, a 5.4%
increase compared with the &#8364;91 million recorded for the six months ended June
30, 2019.
</font></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">70</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 lines-together no-line-numbers;text-align:justify;text-indent:17.85pt;"><font style="border:none;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Provisions or reversal of provisions and other results</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Provisions or
reversal of provisions and other results of this operating segment for the six
months ended June 30, 2020 were a &#8364;2,193 million expense compared with the &#8364;44
million expense recorded for the six months ended June 30, 2019, mainly as a
result of the goodwill impairment losses recognized in the United States CGU.
This impairment had a net negative impact on the &#8220;Profit attributable to parent
company&#8221; of &#8364;2,084 million, and was mainly the result of the negative impact of
the update of the macroeconomic scenario following the onset of COVID-19. For
additional information, see Notes 6.1 and 44 to our Unaudited Condensed Interim
Consolidated Financial Statements and </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8220;&#8212;Critical Accounting
Policies&#8212;Goodwill in consolidation</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;.&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Operating profit/
(loss) before tax</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, operating loss before tax of this operating segment for the six
months ended June 30, 2020 was &#8364;2,500 million compared with the &#8364;762 million
loss recorded for the six months ended June 30, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Tax expense or income
related to profit or loss from continuing operations</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Tax income related to
loss from continuing operations of this operating segment for the six months
ended June 30, 2020 amounted to &#8364;85 million, a 45.5% decrease compared with the
&#8364;156 million income recorded for the six months ended June 30, 2019. Tax income
related to profit or loss from continuing operations in the six months ended
June 30, 2020 and 2019 was affected by the application of the amendment to IAS
12. See &#8220;</font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Presentation of Financial Information&#8213;Changes in Accounting
Policies&#8212;IAS 12 -&#8221;Income Taxes</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Amendment</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221; in our 2019 Form 20-F.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Profit/ (loss)
attributable to parent company</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result of the
foregoing, loss attributable to parent company of this operating segment for
the six months ended June 30, 2020 was &#8364;2,416 million, compared with the &#8364;616
million loss recorded for the six months ended June 30, 2019.
</font></font></p>



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



<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;">&nbsp;</h2>
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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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">71</font><font style="border:none;mso-ansi-language:ES-TRAD;mso-bidi-font-size:11.0pt;mso-fareast-font-family:Calibri;">&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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5B.&#160;&#160;
Liquidity and Capital Resources</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">See Note 6.3 to our
Unaudited Condensed Interim Consolidated Financial Statements for information
on the BBVA Group&#8217;s liquidity. Certain additional information is provided
below.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Customer deposits
(including &#8220;Financial liabilities at amortized cost - Customer deposits&#8221;,
&#8220;Financial liabilities designated at fair value through profit or loss &#8211;
Customer deposits&#8221; and &#8220;Financial liabilities held for trading &#8211; Customer
deposits&#8221;) amounted to &#8364;415,519 million as of June 30, 2020 compared with the
&#8364;394,924 million as of December 31, 2019, a 5.21% increase, </font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">attributable mainly to the increase in demand deposits in
Spain and, to a lesser extent, the increase in time deposits in the United
States and demand deposits in South America, which more than offset the
decrease in customer deposits in Mexico, Turkey and Rest of Eurasia.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Our customer
deposits, excluding assets sold under repurchase agreements amounted to
&#8364;402,947 million as of June 30, 2020 compared with &#8364;385,150 million as of
December 31, 2019.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Deposits from credit institutions and central banks</font></i></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;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;">The following table shows amounts due to credit institutions and central
banks as of June 30, 2020 and 2019 and as of December 31, 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6k_SMSR_5B21" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=top 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30,</font></b></font></p>
  </td>
 <td valign=top 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of December 31,</font></b></font></p>
  </td>
 <td valign=top 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30,</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=34% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=bottom width=22% style="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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2020</font></b></font></p>
  </td>
 <td valign=bottom width=22% style="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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></b></font></p>
  </td>
 <td valign=bottom width=22% style="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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=34% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 width=66% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=34% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Deposits from credit institutions</font></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="height:11.45pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">60,974</font></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="height:11.45pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">53,720</font></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="height:11.45pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">62,632</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Deposits from central banks</font></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">52,353</font></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">33,585</font></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">37,114</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td valign=top width=34% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">113,326</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">87,305</font></b></font></p>
  </td>
 <td nowrap valign=bottom width=22% style="border:none;border-bottom:double black 2.25pt;height:12.0pt;padding:0cm 29.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">99,746</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;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;">Deposits from credit institutions and central
banks amounted to &#8364;113,326 million as of June 30, 2020 compared with the
&#8364;87,305 million as of December 31, 2019. This increase was mainly attributable
to an increase in time deposits from central banks in Spain, mainly due to the
increase in deposits made by the ECB under the TLTRO III program and, to a
lesser extent, from credit institutions.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">We make debt
issuances in the domestic and international capital markets in order to finance
our activities. As of June 30, 2020 we had &#8364;47,733 million of debt
certificates, comprising &#8364;45,956 million in bonds and debentures and &#8364;1,777
million in promissory notes and other securities, compared with &#8364;46,329
million, &#8364;44,381 million and &#8364;1,947 million outstanding, respectively, as of December&nbsp;31,
2019 (see Note 21.4 to the Unaudited Condensed Interim Consolidated Financial
Statements).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">addition</font><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, we had a
total </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">of &#8364;16,754 million in subordinated debt and subordinated deposits
and &#8364;132 million in preferred securities outstanding as of June 30, 2020
compared with &#8364;17,859 million and &#8364;159 million, respectively, as of December
31, 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;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;">The following is a breakdown as of June 30, 2020 of the maturities of our
debt securities (including bonds) from credit institutions and subordinated
liabilities. Regulatory equity instruments have been classified according to
their contractual maturity:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6k_SMSR_5B43" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td nowrap valign=bottom width=36% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td valign=bottom width=10% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Demand</font></b></font></p>
  </td>
 <td valign=bottom width=9% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Up to 1 Month</font></b></font></p>
  </td>
 <td valign=bottom width=9% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1 to 3 Months</font></b></font></p>
  </td>
 <td valign=bottom width=9% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">3 to 12 Months</font></b></font></p>
  </td>
 <td valign=bottom width=9% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1 to 5 Years</font></b></font></p>
  </td>
 <td valign=bottom width=9% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Over 5 years</font></b></font></p>
  </td>
 <td valign=bottom width=9% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=36% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=7 nowrap valign=bottom width=64% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">(In Millions of
  Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Debt certificates (excluding subordinated
  liabilities)</font></font></p>
  </td>
 <td nowrap valign=bottom width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,411</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">10,508</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">23,732</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11,427</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">47,733</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td valign=top width=36% style="height:23.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Subordinated debt, subordinated deposits and
  preferred securities</font></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">704</font></font></p>
  </td>
 <td nowrap width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,984</font></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">13,198</font></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">16,886</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td valign=top width=36% style="height:15.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total</font></b></font></p>
  </td>
 <td valign=top width=10% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">-</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">654</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,411</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">11,212</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">26,715</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">24,625</font></b></font></p>
  </td>
 <td valign=top width=9% style="border:none;border-bottom:double black 2.25pt;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">64,619</font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">72</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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: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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:10.0pt;margin-left:17.85pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font style="border:none;"><b><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Generation of Cash Flow</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">We operate in Spain, Mexico, Turkey, the United States and
over 30 other countries, mainly in Europe, Latin America, and Asia. Our banking
subsidiaries around the world, including BBVA </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">USA</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, are
subject to supervision and regulation by a variety of regulatory bodies
relating to, among other things, the satisfaction of different solvency,
resolution and/or governance requirements. The obligation to satisfy such
requirements may affect the ability of our banking subsidiaries, including BBVA
</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">USA</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, to transfer funds to us in the form of cash dividends,
loans or advances. In addition, under the laws of the various jurisdictions
where our subsidiaries, including BBVA </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">USA</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">, are
incorporated, dividends may only be paid out of funds legally available and, in
certain cases, subject to the prior approval of the competent regulatory or
supervisory authorities. For example, BBVA </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">USA</font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> is
incorporated in Alabama and under Alabama law it is not able to pay any
dividends without the prior approval of the Superintendent of Banking of
Alabama if the dividend would exceed the total net earnings for the year
combined with the bank&#8217;s retained net earnings of the preceding two years.</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;">Even where any applicable requirements are met and funds
are legally available, the relevant regulator could advise against the transfer
of funds to us in the form of cash dividends, loans or advances, for prudence
reasons or otherwise.</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;">There is no assurance that in the future other similar
restrictions will not be adopted or that, if adopted, they will not negatively
affect our liquidity. The geographic diversification of our businesses,
however, may help to limit the effect on the Group of any restrictions that
could be adopted in any given 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:17.85pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">We believe that our working capital is sufficient for our
present requirements and to pursue our planned business strategies.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 of June&nbsp;30,
2020 and December 31, 2019, equity is calculated in accordance with current regulations
on minimum capital base requirements for Spanish credit institutions on both an
individual and consolidated basis. These regulations dictate how to calculate
equity levels, as well as the various internal capital adequacy assessment
processes they should have in place and the information such institutions
should disclose to the market.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The minimum capital
base requirements established by the current regulations 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 these regulations and internal corporate governance
obligations.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">On December 4, 2019
BBVA received a communication of the ECB about the results of the Supervisory
Review and Evaluation Process (&#8220;</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">SREP</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#8221;), pursuant to which BBVA should
maintain, from January 1, 2020 on a consolidated basis, a minimum CET1 capital
ratio of 9.27% and a minimum total capital ratio of 12.77%. This total capital
requirement at a consolidated level includes: i) a Pillar 1 requirement of 8%
that should be fulfilled by a minimum of 4.5% of CET1; ii) a Pillar 2 requirement
of 1.5% of CET1 that remains at the same level as the one included in the
previous SREP decision; iii) a Capital Conservation buffer of 2.5% of CET1; iv)
the Other Systemic Important Institution buffer (OSII) of 0.75% of CET1; and v)
the Countercyclical Capital buffer of 0.02% of CET1.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;text-indent:17.85pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">For
information on the main measures that national and supranational authorities
are taking in the field of prudential regulation in order to mitigate the
effects of the COVID-19 pandemic, as well as information on our consolidated
ratios and our risk-weighted assets, see Note 29 to our Unaudited Condensed
Interim Consolidated Financial Statements. </font></font><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Certain additional information is provided below.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">BBVA&#8217;s fully-loaded
CET1 ratio stood at 11.22% at the end of June 2020, +38 basis points compared
to March 31, 2020, which represents a significant improvement from such date.
As of June 30, 2020, the fully-loaded CET1 management buffer would be 263 basis
points with respect to the minimum requirement for CET1 (8.59%), a level that
is in the upper part of the target management buffer (225-275 points basic).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Financial market
stability in the second quarter, driven largely by the economic stimulus
measures announced by the different national and supranational authorities, has
allowed for a partial recovery from the shocks produced in the price of assets
and has reduced volatility. This has led to a positive contribution of
approximately 14 basis points in the fully-loaded CET1 ratio during the quarter.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;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, the approval by the European Parliament and
the European Council of Regulation 2020/873 (known as &#8220;CRR Quick Fix&#8221;), which
amends both Regulation 575/2013 (Capital Requirement Regulation (CRR)) and
Regulation 2019/876 (Capital Requirement Regulation 2 (CRR2)) has contributed
positively to the capital adequacy ratios. Adjustments included in the CRR
Quick Fix which were applicable as of June 30, 2020 (and which were applied by
the Group) included bringing forward the introduction of some capital relief
measures for banks under CRR2, including the preferential treatment of certain
exposures to SMEs and infrastructure and extending for two years the transition
period for arrangements related to the implementation of IFRS 9 (the latter
only impacted phased-in ratios).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The increase in loans
has continued to contribute to the growth of exposures but, in terms of the
calculation of the risk-weighted assets (RWAs), the impact of such increase has
been mitigated by the state-backed credit programs implemented by the different
authorities, which have the effect of decreasing the risk weighting of the related
loans. Likewise, the reduction in volatility has also allowed for lower capital
requirements in connection with those components of the risk-weighted assets
(RWAs) that are more sensitive to these factors, such as those related to
regulatory requirements for market risk. Finally, as previously mentioned, the
application of the &#8220;CRR Quick Fix&#8221; has had a positive effect by allowing a
reduction in the capital requirements relating to certain exposures.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">During the second
quarter, risk-weighted assets (RWAs) (fully-loaded) decreased by approximately
&#8364;6,400 million; while at constant exchange rates, they fell by approximately
&#8364;2,100 million. In the first half of the year, risk-weighted assets (RWAs)
(fully-loaded) decreased by around &#8364;2,500 million; while at constant exchange
rates, they grew by around &#8364;13,800 million.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Fully-loaded
Additional Tier 1 capital (AT1) stood at 1.64% at the end of June 2020,
remaining at similar levels to the previous quarters.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The fully-loaded Tier
2 ratio stood at 2.36% as of June 30, 2020 representing an increase of 31 basis
points compared to December 31, 2019 as a result of the subordinated debt
issuances completed in the first half of 2020 and changes in other items
eligible as Tier 2 capital during such period. In January 2020, the Bank issued
Tier 2 subordinated notes in a principal amount of &#8364;1,000 million, with a
maturity of ten years, an early redemption option from the fifth year and a
coupon of 1%. Regarding the Group&#8217;s subsidiaries, Garanti BBVA completed a Tier
2 issue in a principal amount of 750 million Turkish lira in February 2020,
with a coupon equal to TLREF (Turkish Lira Overnight Reference Rate) plus 250
basis points, which has been considered for calculating the Group&#8217;s adequacy
ratios starting in the first quarter of 2020.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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, at the
supervisory level, the ECB, in its announcement on March 12, 2020, has allowed
banks to use additional Tier 1 and Tier 2 capital instruments to meet the
Pillar II Requirements (P2R), what is known as &#8220;tiering of Pillar II&#8221;. These
measures have been reinforced by the relaxation of the Countercyclical Capital
Buffer (CCyB) announced by various national macroprudential authorities and by
other complementary measures published by the ECB. All of this has resulted in
a reduction of 68 basis points in the fully-loaded CET1 requirement for BBVA,
with that requirement standing at 8.59% as of June 30, 2020. The reduction in
the requirement at the total ratio level is around 2 basis points only, as a
result of the lower applicable countercyclical buffer.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 a result, the
Group has modified its CET1 capital target to reflect this new situation, with
a management buffer in a range between 225 and 275 basis points over the CET1
requirements. This same range was used in determining the previous fully-loaded
CET1 capital target of between 11.5% and 12%, so the new target maintains an
equivalent distance in terms of CET1. At the end of June 2020 the fully-loaded
CET1 management buffer was 263 basis points.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The phased-in CET1
ratio stood at 11.63% at the end of June 2020, taking into account the
transitory effect of the IFRS 9 standard. The phased-in Tier 1 capital ratio
stood at 1.68% and the phased-in Tier 2 ratio at 2.58% resulting in a phased-in
total capital ratio of 15.89%.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Regarding MREL
(Minimum Requirement for own funds and Eligible Liabilities) requirements, BBVA
has continued to implement its issuance plan during 2020 by closing two issues
of non-preferred senior debt, one in January 2020 for &#8364;1,250 million, maturing
in seven years and with a coupon of 0.5%, and another in February 2020 for CHF
160 million, maturing in six and a half years and with a coupon of 0.125%. In
May 2020, the Group was the first private financial institution in Europe to
complete the issuance of a COVID-19 social bond, with excellent market
acceptance. This is a 5-year senior preferred bond, with a principal amount of
&#8364;1,000 million and a coupon of 0.75%.</font></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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">The Group believes that the present structure of
shareholders&#8217; funds and admissible liabilities, together with the proposed plan
for future issuances it intends to make, should enable it to comply with its
MREL requirement by the date of entry into force of such requirement.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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;">Finally, the Group&#8217;s
leverage ratio at June 30, 2020 maintained a solid position, at 6.1% fully
loaded (6.2% phased-in) which remains the highest among its peer group. These
figures do not include the effect of the new July AT1 issuance, which would
mean an improvement of +13 basis points, nor the temporary exclusion of certain
positions with central banks pursuant to the &#8220;CRR-Quick fix&#8221;, since the
required related approval by the competent authorities for its application is
still pending.</font></font></p>

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

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 July 2020, BBVA
completed the issuance of the first green convertible bond (CoCo) ever issued
by a financial institution worldwide in the amount of &#8364;1,000 million, with a
coupon of 6% and an option for early amortization in five and a half year. This
issuance will be included in the capital adequacy ratios for the third quarter
with an estimated impact on AT1 of +28 basis points, which is expected to allow
the Group to satisfy its AT1 requirements, including those imposed by Pillar
II.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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 July 2020, a Tier
2 issue was completed in a principal amount of 300 million of pounds sterling,
with a maturity of 11 years, an early redemption option from the sixth year and
a 3.104% coupon, which has helped to reinforce the ratio, and diversify the
investor base, while improving the price compared to an equivalent issue in
euros. This issue will be included in the capital adequacy ratios for the third
quarter with an estimated impact on Tier 2 of +2 basis points, which is
expected to help allow the Group to cover the relevant capital requirements
under Pillar II.</font></font></p>

<h2 style="border:none;margin-bottom:12.0pt;margin-left:0cm;margin-right:0cm;margin-top:12.0pt;page-break-after:avoid;"><font style="border:none;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">5E.&#160;&#160; Off-Balance Sheet
Arrangements</font></b></font></h2>

<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;">Note 30 to the Unaudited Condensed Interim
Consolidated Financial Statements provides information on loan commitments and
financial guarantees given by the Group as of June 30, 2020 and December 31,
2019.</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 style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">The following table
provides information regarding assets under management as of the dates
indicated:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_6K_SMSR_5E.3" style="border-collapse:collapse;width:100%;">
 <tr style="height:21.0pt;">
  <td nowrap valign=bottom width=49% style="height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td valign=top width=23% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of June 30, 2020</font></b></font></p>
  </td>
 <td valign=top width=28% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">As of December 31,
  2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=49% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=51% style="border:none;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&#160;&#160;&#160;&#160;&#160;&#160; (In
  Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=49% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Mutual funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=23% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">63,237</font></font></p>
  </td>
 <td nowrap valign=bottom width=28% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">68,639</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=49% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Pension funds</font></font></p>
  </td>
 <td nowrap valign=bottom width=23% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">35,664</font></font></p>
  </td>
 <td nowrap valign=bottom width=28% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">36,630</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=49% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Other placements</font></font></p>
  </td>
 <td nowrap valign=bottom width=23% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">1,912</font></font></p>
  </td>
 <td nowrap valign=bottom width=28% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">2,534</font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap valign=bottom width=49% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">Total assets under management</font></b></font></p>
  </td>
 <td valign=top width=23% style="border:none;border-bottom:double black 2.25pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">100,813</font></b></font></p>
  </td>
 <td valign=top width=28% style="border:none;border-bottom:double black 2.25pt;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black style="border:none;"><b><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;">107,803</font></b></font></p>
  </td>
 </tr>
</table></div>










<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:31.2pt;margin-top:0cm;"><a name="_Toc376949938"></a><a name="_Toc347755848"></a><a name="_Toc331260310"></a><a name="_Toc299032869"></a><a name="_Toc299031530"></a><a name="_Toc299029448"></a><a name="_Toc298431712"></a></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 face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">75</font><font style="border:none;mso-ansi-language:ES-TRAD;">&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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:31.2pt;margin-top:0cm;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;"></font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:31.2pt;margin-top:0cm;"><font 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:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:31.2pt;margin-top:0cm;"><a name="_Toc363037098"></a><font 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:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:31.2pt;margin-top:0cm;"><font 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:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:31.2pt;margin-top:0cm;"><font 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:0cm;margin-bottom:10.0pt;text-align:justify;"><font 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:0cm;margin-bottom:10.0pt;text-align:justify;"><font 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:0cm;margin-bottom:10.0pt;margin-left:1.0cm;margin-right:0cm;margin-top:0cm;"><a name="_Toc363037099"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:30.0pt;line-height:115%;">Unaudited Condensed Interim Consolidated Financial Statements
as of and for the six months ended June 30, 2020</font></font></p>

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



<font face=Arial,sans-serif style="border:none;display:none;">
&nbsp;</font>




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 <p 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:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES-TRAD;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES-TRAD style="font-size:10.0pt;line-height:115%;">&nbsp;</font></font><font face=BBVABentonSansLight style="mso-ascii-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_79"></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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;page-break-after:avoid;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: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;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;">UNAUDITED CONDENSED
INTERIM 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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_81"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Condensed 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:0cm;margin-bottom:.0001pt;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;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_84"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Condensed 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:0cm;margin-bottom:.0001pt;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;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_85"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Condensed 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:0cm;margin-bottom:.0001pt;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;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_86"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Condensed 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:0cm;margin-bottom:.0001pt;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;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_88"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Condensed 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:0cm;margin-bottom:.0001pt;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;">F-10</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;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;">NOTES TO THE
ACCOMPANYING UNAUDITED CONDENSED INTERIM CONSOLIDATED FINANCIAL STATEMENTS</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:.85pt;width:100%;">
 <tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">1.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_89"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Introduction, basis for the presentation of the condensed
  interim consolidated financial statements and other information</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-11</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">2.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_92"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Principles of consolidation, accounting policies and
  measurement bases applied and recent IFRS pronouncements</font></u></a><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;"> and
  interpretations</font></u></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-14</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">3.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_95"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">BBVA Group</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-17</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">4.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_96"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Shareholder remuneration system</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-18</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">5.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_96"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Operating segment reporting</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-18</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">6.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_97"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Risk management</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-19</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">7.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_111"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Fair value of financial instruments</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-33</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">8.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_112"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Cash, cash balances at central banks and other demands
  deposits</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-34</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">9.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_113"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Financial assets and liabilities held for trading</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-35</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">10.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_113"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Non-trading financial assets mandatorily at fair value
  through profit or loss</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-35</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">11.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_114"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Financial assets and liabilities designated at fair value through
  profit or loss</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-36</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">12.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_114"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Financial assets at fair value through other comprehensive
  income</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-36</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">13.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_117"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Financial assets at amortized cost</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-39</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">14.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_117"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Derivatives &#8211; Hedge accounting and fair value changes of the
  hedged items in portfolio hedges of interest rate risk</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-39</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">15.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_118"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Investments in joint ventures, associates</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-40</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">16.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_118"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Tangible assets</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-40</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">17.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_119"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Intangible assets</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-41</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">18.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_121"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Tax assets and liabilities</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-43</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">19.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_122"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Other assets and liabilities</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-44</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">20.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_122"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Non-current assets and disposal groups held for sale</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-44</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">21.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_123"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Financial liabilities at amortized cost</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-45</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">22.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_126"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Assets and liabilities under insurance and reinsurance
  contracts</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-48</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">23.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_126"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Provisions</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-48</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">24.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_127"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Pension and other post-employment commitments</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-49</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">25.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_127"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Capital</font></u></a><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;"> &nbsp;</font></u></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-49</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">26.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_127"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Retained earnings and other reserves</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-49</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">27.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_128"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Accumulated other comprehensive income</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-50</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">28.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_129"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Non-controlling interest</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-51</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">29.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_130"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Capital base and capital management</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-52</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">30.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_131"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Commitments and guarantees given</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-53</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">31.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_131"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Other contingent assets and liabilities</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-53</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">32.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_131"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Net interest income</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-53</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">33.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_132"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Dividend income</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-54</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">34.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_132"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Share of profit or loss of entities accounted for using the
  equity method</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-54</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">35.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_132"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Fee and commission income and expense</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-54</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">36.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_133"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Gains (losses) on financial assets and liabilities, hedge
  accounting and exchange differences</font></u></a><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">, net</font></u></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-55</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">37.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_134"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Other operating income and expense</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-56</font></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-1</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_80"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:justify;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:.85pt;width:100%;">
 <tr style="height:11.8pt;">
  <td nowrap width=7% style="height:11.8pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">38.</font></font></p>
  </td>
 <td nowrap width=81% style="height:11.8pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_134"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Income and expense from insurance and reinsurance contracts</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:11.8pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-56</font></font></p>
  </td>
 </tr>
<tr style="height:11.8pt;">
  <td nowrap width=7% style="height:11.8pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">39.</font></font></p>
  </td>
 <td nowrap width=81% style="height:11.8pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_134"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Administration costs</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:11.8pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-56</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">40.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_135"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Depreciation and amortization</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-57</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">41.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_135"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Provisions or (reversal) of provisions</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-57</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">42.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_136"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment or (reversal) of impairment on financial assets
  not measured at fair value through profit or loss or net gains by
  modification</font></u></a><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;"> &nbsp;</font></u></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-58</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">43.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_136"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment or (reversal) of impairment of investments in
  joint ventures and associates</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-58</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">44.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_136"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Impairment or (reversal) of impairment on non-financial
  assets</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-58</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">45.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_136"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Gains (losses) on derecognition of non-financial assets and
  subsidiaries, net</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-58</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">46.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_137"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Gains (losses) from non-current assets and disposal groups
  classified as held for sale not qualifying as discontinued operations</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-59</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">47.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_137"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Related-party transactions</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-59</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">48.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_139"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Remuneration and other benefits for the Board of Directors
  and members of the Bank&#8217;s Senior Management</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-61</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">49.</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_142"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">Subsequent events</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-64</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;text-decoration:none;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:1.65pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:14.0pt;">APPENDICES</font></b></font></p>
  <p style="margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;text-decoration:none;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_144"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">APPENDIX I. Quantitative information on refinancing and
  restructuring operations and other requirement under Bank of Spain Circular
  6/2012</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-66</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font face=Arial,sans-serif style="border:none;"><a href="#page_149"><u><font color=blue face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">APPENDIX II. Additional information on risk concentration</font></u></a></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">F-71</font></font></p>
  </td>
 </tr>
<tr style="height:10.7pt;">
  <td nowrap width=7% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">&nbsp;</td>
 <td nowrap width=81% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p style="margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.7pt;padding:0cm 5.4pt 0cm 5.4pt;">
  <p align=right style="margin:0cm;margin-bottom:.0001pt;text-align:right;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#160;&nbsp;</font></p>








<p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><a name="_Toc298431702"></a><a name="_Toc299029437"></a><a name="_Toc299031520"></a><a name="_Toc299032859"></a><a name="_Toc331260300"></a><a name="_Toc298431701"></a><a name="_Toc299029436"></a><a name="_Toc299031519"></a><a name="_Toc299032858"></a><a name="_Toc331260299"></a><a name="_Toc298431699"></a><a name="_Toc299029434"></a><a name="_Toc299031517"></a><a name="_Toc299032856"></a><a name="_Toc284233731"></a><a name="_Toc331260297"></a><a name="Nota_1"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><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-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><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:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><img alt="LOGO BBVA" border=0 height=35 id="Imagen 17" src="d6kjune2020x80x0.jpg" width=100></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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">Unaudited
Condensed consolidated balance sheets as of June 30, 2020 and December 31, 2019</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_ACTIVOjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif style="font-size:5.5pt;">ASSETS (Millions of
  Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=red face=Arial,sans-serif style="border:none;"><b><font color=red face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Notes</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">CASH, CASH
  BALANCES AT CENTRAL BANKS AND OTHER DEMAND DEPOSITS</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">8</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">65,877</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">44,303</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FINANCIAL
  ASSETS HELD FOR TRADING</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">9</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">119,332</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">102,688</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Derivatives</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">49,239</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">33,185</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Equity instruments</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">5,862</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">8,892</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Debt securities</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">26,640</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">26,309</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Loans and
  advances to central banks</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">636</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">535</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">24,912</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">21,286</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Loans and advances
  to customers</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">12,044</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">12,482</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">NON-TRADING
  FINANCIAL ASSETS MANDATORILY AT FAIR VALUE THROUGH PROFIT OR LOSS</font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">10</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">4,998</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">5,557</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Equity instruments</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,058</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,327</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Debt securities</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">250</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">110</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Loans and
  advances to customers</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">690</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,120</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FINANCIAL ASSETS
  DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">11</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,098</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,214</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Debt securities</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,098</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,214</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Loans and advances</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FINANCIAL
  ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">12</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">70,045</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">61,183</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Equity instruments</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,789</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2,420</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Debt securities</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">68,223</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">58,731</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">33</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">33</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FINANCIAL
  ASSETS AT AMORTIZED COST</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">13</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">450,222</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">439,162</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Debt securities</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">43,396</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">38,877</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Loans and
  advances to central banks</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,773</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,275</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">14,842</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">13,649</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Loans and advances
  to customers</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">387,212</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">382,360</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">DERIVATIVES - HEDGE
  ACCOUNTING</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">14</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,531</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,729</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FAIR VALUE
  CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK</font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">14</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">60</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">28</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">JOINT VENTURES AND
  ASSOCIATES</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">15</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,366</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,488</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Joint ventures</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">150</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">154</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Associates</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,216</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,334</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">INSURANCE AND REINSURANCE
  ASSETS</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">22</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">332</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">341</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">TANGIBLE ASSETS</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">16</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">9,057</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">10,068</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Properties, plant and
  equipment</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">8,796</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">9,816</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">For own use</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">8,578</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">9,554</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other assets
  leased out under an operating lease</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">217</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">263</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Investment properties</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">261</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">252</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">INTANGIBLE ASSETS </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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">17</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">4,623</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">6,966</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Goodwill</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2,760</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,955</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other intangible
  assets</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,863</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2,010</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">TAX ASSETS</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">18</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">16,718</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">17,083</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Current tax assets</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,182</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,765</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Deferred tax assets </font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">15,536</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">15,318</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">OTHER ASSETS </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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">19</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">4,360</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,800</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Insurance
  contracts linked to pensions</font></font></p>
  </td>
 <td width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Inventories</font></font></p>
  </td>
 <td width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">615</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">581</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other</font></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3,744</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3,220</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">NON-CURRENT
  ASSETS AND DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE </font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">20</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,205</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,079</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="background:#5AC4C4;border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">TOTAL ASSETS</font></b></font></p>
  </td>
 <td width=12% style="background:#5AC4C4;border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">5</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">753,824</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">698,690</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The accompanying Notes are an integral part of the unaudited condensed
interim consolidated financial statements.
</font></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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><font face="Times New Roman,serif" lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin:0cm;margin-bottom:.0001pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><img alt="LOGO BBVA" border=0 height=35 id="Imagen 16" src="d6kjune2020x81x0.jpg" width=100></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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">Unaudited
Condensed consolidated balance sheets as of June 30, 2020 and December 31, 2019</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_PASIVOjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">LIABILITIES
  AND EQUITY (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:33.0pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:33.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Notes</font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FINANCIAL
  LIABILITIES HELD FOR TRADING </font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">9</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">108,624</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">89,633</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Derivatives</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">50,154</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">35,019</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Short positions</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">11,832</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">12,249</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Deposits from central
  banks</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">5,685</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">7,635</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Deposits from credit
  institutions</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">28,617</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">24,969</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">12,335</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">9,761</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Debt certificates</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FINANCIAL
  LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS </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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">11</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">9,203</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">10,010</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Deposits from central
  banks</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Deposits from credit institutions</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">914</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">944</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Debt certificates</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,202</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,656</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,087</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,410</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:5.5pt;">Memorandum item:
  Subordinated liabilities</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:5.5pt;">-</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:5.5pt;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FINANCIAL
  LIABILITIES AT AMORTIZED COST </font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">21</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">559,713</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">516,641</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Deposits from central
  banks</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">46,667</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">25,950</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Deposits from credit
  institutions</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">32,356</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">28,751</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">402,184</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">384,219</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Debt certificates</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">64,421</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">63,963</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other financial
  liabilities</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">14,085</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">13,758</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:5.5pt;">Memorandum item:
  Subordinated liabilities</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:5.5pt;">16,886</font></i></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif style="font-size:5.5pt;">18,018</font></i></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">DERIVATIVES - HEDGE
  ACCOUNTING</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">14</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,368</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,233</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">FAIR VALUE
  CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK</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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">14</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">LIABILITIES
  UNDER INSURANCE AND REINSURANCE CONTRACTS </font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">22</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">9,462</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">10,606</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">PROVISIONS</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">23</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">6,494</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">6,538</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Pensions and
  other post employment defined benefit obligations</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,427</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,631</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other long term
  employee benefits</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">53</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">61</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Provisions for
  taxes and other legal contingencies</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">738</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">677</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Commitments and guarantees
  given</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">774</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">711</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other provisions</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">502</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">457</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">TAX LIABILITIES </font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">18</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,529</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,808</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Current tax
  liabilities</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">560</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">880</font></font></p>
  </td>
 </tr>
<tr style="height:9.95pt;">
  <td width=64% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Deferred tax
  liabilities</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,968</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,928</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">OTHER LIABILITIES </font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">19</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">4,107</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,742</font></b></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">LIABILITIES
  INCLUDED IN DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,769</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,554</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.75pt;">
  <td nowrap width=64% style="background:#5AC4C4;border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">TOTAL LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:9.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><font color=white face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">704,269</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:9.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">643,765</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The accompanying Notes are an integral part of the unaudited condensed
interim consolidated financial statements.</font></font><font face=Arial,sans-serif style="border:none;">
&nbsp;</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-4</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_83"></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: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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><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:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><img alt="LOGO BBVA" border=0 height=35 id="Imagen 15" src="d6kjune2020x82x0.jpg" width=100></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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">Unaudited
Condensed consolidated balance sheets as of June 30, 2020 and December 31, 2019</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_P.NETOjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">LIABILITIES
  AND EQUITY (Continued) (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Notes</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">December 2019 (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">SHAREHOLDERS&#8217; FUNDS</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">56,541</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">58,950</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Capital</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">25</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Paid up capital</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Unpaid capital
  which has been called up</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Share premium</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">23,992</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">23,992</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Equity
  instruments issued other than capital</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Other equity</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">37</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">56</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Retained earnings</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">26</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">30,589</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">29,388</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Revaluation
  reserves</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Other reserves</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">26</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(160)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(119)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Reserves or
  accumulated losses of investments in joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(160)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(119)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Less: treasury
  shares</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(28)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(62)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Profit or
  loss attributable to owners of the parent</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1,157)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,512</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Less: Interim
  dividends</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1,084)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">ACCUMULATED OTHER
  COMPREHENSIVE INCOME</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">27</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(12,822)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(10,226)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Items that will
  not be reclassified to profit or loss</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">27</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(2,253)</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1,875)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Actuarial gains
  (losses) on defined benefit pension plans</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,381)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,498)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Non-current assets
  and disposal groups classified as held for sale</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">&#160;Share of other
  recognized income and expense of investments in joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Fair value
  changes of equity instruments measured at fair value through other
  comprehensive income</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(940)</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(403)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Hedge ineffectiveness
  of fair value hedges for equity instruments measured at fair value through
  other comprehensive income</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Fair value
  changes of equity instruments measured at fair value through other
  comprehensive income (hedged item)</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Fair value changes
  of equity instruments measured at fair value through other comprehensive
  income (hedging instrument)</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">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=12% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">67</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">24</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Items that
  may be reclassified to profit or loss</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">27</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(10,570)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(8,351)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Hedge of net
  investments in foreign operations (effective portion)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(312)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(896)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Foreign currency
  translation </font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(12,351)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(9,147)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Hedging derivatives.
  Cash flow hedges (effective portion)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">308</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(44)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=64% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Fair value
  changes of debt instruments measured at fair value through other
  comprehensive income</font></font></p>
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,830</font></font></p>
  </td>
 <td nowrap width=12% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,760</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Hedging
  instruments (non-designated items)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Non-current
  assets and disposal groups classified as held for sale</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(27)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(18)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=64% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Share of other
  recognized income and expense of investments in joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(19)</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">MINORITY
  INTERESTS (NON-CONTROLLING INTERESTS)</font></b></font></p>
  </td>
 <td nowrap 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">28</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">5,836</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">6,201</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Accumulated
  other comprehensive income (loss)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(6,148)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(5,572)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other items</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">11,984</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">11,773</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">TOTAL EQUITY</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">49,555</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">54,925</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">TOTAL EQUITY
  AND TOTAL LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">753,824</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">698,690</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=64% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=64% style="background:#E9E9E9;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">MEMORANDUM
  ITEM (OFF-BALANCE SHEET EXPOSURES) (Millions of Euros)</font></font></p>
  </td>
 <td width=12% style="background:#E9E9E9;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="background:#E9E9E9;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="background:#E9E9E9;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Notes</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=64% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Loan commitments
  given</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">30</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">134,494</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">130,923</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Financial guarantees
  given</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">30</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">10,989</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">10,984</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=64% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other commitments
  given</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">30</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">38,563</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">39,209</font></font></p>
  </td>
 </tr>
</table></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;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)&#160;&#160; Due to an accounting policy
change in relation to translation of hyperinflationary economies, BBVA has
reclassified &#8364;2,985 million from &#8220;Shareholders&#8217; funds &#8211; Retained earnings&#8221; and
&#8364;6 million from &#8220;Shareholders&#8217; funds &#8211; Other reserves&#8221; to &#8220;Accumulated other
comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211;
Foreign currency translation. For additional information see Note 1.3.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The accompanying Notes are an integral part of the unaudited condensed
interim consolidated financial statements.
</font></font></p>


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<DIV bclHeader>


<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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><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:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><img alt="LOGO BBVA" border=0 height=35 id="Imagen 14" src="d6kjune2020x83x0.jpg" width=100></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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">Unaudited
Condensed consolidated income statements for the six months ended June 30, 2020
and 2019</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_RESULTADOSjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">CONSOLIDATED
  INCOME STATEMENTS (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Notes</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Interest and other
  income</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">32.1</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">13,228</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">15,633</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Interest expense</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">32.2</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(4,574)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(6,691)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">NET INTEREST INCOME</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">8,653</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">8,941</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Dividend income </font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">33</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">77</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">103</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Share of profit
  or loss of entities accounted for using the equity method </font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">34</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(17)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(19)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Fee and commission
  income </font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">35</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3,325</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3,661</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Fee and commission
  expense</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">35</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,024)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,191)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=63% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">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=13% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">36</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">229</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">67</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Gains (losses)
  on financial assets and liabilities held for trading, net</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">36</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">187</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">173</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Gains (losses)
  on non-trading financial assets mandatorily at fair value through profit or
  loss, net</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">36</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">129</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">98</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Gains (losses)
  on financial assets and liabilities designated at fair value through profit
  or loss, net</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">36</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">205</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Gains (losses)
  from hedge accounting, net </font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">36</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">41</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">73</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Exchange differences,
  net</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">36</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">316</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">134</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other operating
  income </font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">37</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">230</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">337</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other operating
  expense</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">37</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(848)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(995)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Income from insurance
  and reinsurance contracts</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">38</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,307</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,547</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">38</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(765)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(983)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">GROSS INCOME</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">12,045</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">11,944</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Administration costs</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(4,746)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(5,084)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Personnel
  expense</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">39.1</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2,875)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(3,131)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Other
  administrative expense</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">39.2</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,872)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,953)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Depreciation and
  amortization</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">40</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(766)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(790)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Provisions or
  reversal of provisions</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">41</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(541)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(261)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=63% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">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=13% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">42</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(4,146)</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,731)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Financial
  assets measured at amortized cost</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(4,075)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,727)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Financial
  assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(71)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">NET OPERATING
  INCOME</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,846</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">4,077</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Impairment or
  reversal of impairment of investments in joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:5.5pt;">43</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(60)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Impairment or
  reversal of impairment on non-financial assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">44</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2,149)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(44)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Tangible assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(62)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(30)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Intangible
  assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2,087)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Other assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(13)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Gains (losses)
  on derecognition of non - financial assets and subsidiaries, net</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">45</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">8</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Negative
  goodwill recognized in profit or loss</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=63% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Gains (losses)
  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=13% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">46</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(9)</font></font></p>
  </td>
 <td nowrap width=12% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">11</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">PROFIT (LOSS)
  BEFORE TAX FROM CONTINUING OPERATIONS</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(368)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">4,052</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Tax expense or
  income related to profit or loss from continuing operations</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(455)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,136)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">PROFIT (LOSS)
  AFTER TAX FROM CONTINUING OPERATIONS</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(823)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,916</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Profit (loss)
  after tax from discontinued operations</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">PROFIT FOR THE PERIOD</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(823)</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">2,916</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">ATTRIBUTABLE
  TO MINORITY INTEREST (NON-CONTROLLING INTEREST)</font></b></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">28</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">333</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">475</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">ATTRIBUTABLE
  TO OWNERS OF THE PARENT</font></b></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">5</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1,157)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,442</font></b></font></p>
  </td>
 </tr>
<tr style="height:.75pt;">
  <td width=63% style="height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=63% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">EARNINGS PER SHARE&#160;
  (Euros)</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(0.20)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">0.34</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Basic
  earnings (losses) per share from continued operations</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(0.20)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">0.34</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Diluted
  earnings (losses) per share from continued operations </font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(0.20)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">0.34</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Basic
  earnings (losses) per share from discontinued operations </font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">&#160;&#160;&#160;&#160; Diluted
  earnings (losses) per share from discontinued operations</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The accompanying Notes are an integral part of the unaudited
condensed interim consolidated financial statements.
</font></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-6</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<DIV bclHeader>


<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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><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:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><img alt="LOGO BBVA" border=0 height=35 id="Imagen 13" src="d6kjune2020x84x0.jpg" width=100></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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">Unaudited
Consolidated statements of recognized income and expense for the six months
ended June 30, 2020 and 2019</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_IYGjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">CONSOLIDATED
  STATEMENTS OF RECOGNIZED INCOME AND EXPENSE (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=65% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">PROFIT
  RECOGNIZED IN INCOME STATEMENT</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:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(823)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,916</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">OTHER RECOGNIZED INCOME
  (EXPENSE)</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:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(3,173)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">95</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">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:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(375)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(242)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Actuarial gains
  (losses) from defined benefit pension plans</font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">167</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(208)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Non-current
  assets and disposal groups classified as held for sale</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Share of other
  recognized income and expense of entities accounted for using the equity
  method</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Fair value
  changes of equity instruments measured at fair value through other
  comprehensive income, net</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(560)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Gains (losses)
  from hedge accounting of equity instruments at fair value through other comprehensive
  income, net</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">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:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">62</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(130)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Income tax
  related to items not subject to reclassification to income statement</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(44)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">92</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">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:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(2,798)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">337</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Hedge of net
  investments in foreign operations (effective portion)</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">573</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(327)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Valuation gains
  (losses) taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">573</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(327)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Transferred to
  profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Foreign currency
  translation</font></b></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(3,835)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(79)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Translation
  gains (losses) taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(3,836)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(79)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Transferred to
  profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Cash flow
  hedges (effective portion)</font></b></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">484</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">57</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Valuation gains
  (losses) taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">484</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">75</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Transferred to
  profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(18)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Transferred to initial
  carrying amount of hedged items</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Debt
  securities at fair value through other comprehensive income</font></b></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">130</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">975</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Valuation gains
  (losses) taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">210</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">997</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Transferred to
  profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(79)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(23)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Non-current
  assets and disposal groups held for sale</font></b></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(9)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Valuation gains
  (losses) taken to equity</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(9)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Transferred to
  profit or loss</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other
  reclassifications</font></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Entities
  accounted for using the equity method</font></b></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(14)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">6</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Income tax
  relating to items subject to reclassification to income statements</font></b></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(127)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(293)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=65% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">TOTAL RECOGNIZED
  INCOME/EXPENSE</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=white face=Arial,sans-serif style="border:none;"><font color=white face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(3,996)</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,011</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Attributable
  to minority interest (non-controlling interest)</font></b></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(243)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">213</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=65% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Attributable
  to the parent company</font></b></font></p>
  </td>
 <td nowrap width=11% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(3,753)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,798</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The accompanying Notes are an integral part of the unaudited condensed
interim consolidated financial statements.</font></font></p>





<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>




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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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><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:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><img alt="LOGO BBVA" border=0 height=35 id="Imagen 12" src="d6kjune2020x85x0.jpg" width=100></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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">Unaudited
Co</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">nsolidated statements of changes in equity for the six months
ended June 30, 2020</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_Var.Patrimonio1jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=15 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">CONSOLIDATED
  STATEMENTS OF CHANGES IN EQUITY (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=16% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Capital </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 25)</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Share Premium </font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Equity instruments issued other than capital</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Other Equity</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Retained earnings </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 26)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Revaluation reserves</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Other reserves</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 26)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(-) Treasury shares</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Profit or loss attributable to owners of the parent</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Interim dividend</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">&#160;(Note 4)</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Accumulated other comprehensive income </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">(Note 27)</font></b></font></p>
  </td>
 <td colspan=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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Non-controlling interest</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:42.0pt;">
  <td width=16% style="height:42.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td width=6% style="border:none;height:42.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Accumulated other comprehensive income</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">(Note 28)</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-top:solid black 1.0pt;height:42.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Other</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 28)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">Balances as of
  January 1, 2020</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">56</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">26,402</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(125)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(62)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,512</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(1,084)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(7,235)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(3,526)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">9,727</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">54,925</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Effect of
  changes in accounting policies (see Note 1.3)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2,985</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">6</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2,992)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2,045)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2,045</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">Adjusted initial
  balance</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">56</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">29,388</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(119)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(62)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,512</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(1,084)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(10,226)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(5,572)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">11,773</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">54,925</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Total
  income/expense recognized</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1,157)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(2,596)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(577)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">333</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(3,996)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Other changes in
  equity</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(19)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,201</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(41)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">34</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(3,512)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,084</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(122)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1,374)</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Issuances of common
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Issuances of
  preferred shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Issuance of
  other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Settlement or
  maturity of other equity instruments issued </font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Conversion of
  debt on equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Common Stock
  reduction</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Dividend distribution</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,065)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(122)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,187)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Purchase of treasury
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(494)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(494)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Sale or
  cancellation of treasury shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">528</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">526</font></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=16% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Reclassification
  of other equity instruments to financial liabilities</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=16% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Reclassification
  of financial liabilities to other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Transfers within
  total equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2,467</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(39)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(3,512)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,084</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:17.25pt;">
  <td width=16% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Increase/Reduction
  of equity due to business combinations</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:17.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Share based payments</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(21)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(21)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td width=16% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other increases
  or (-) decreases in equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(198)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2)</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(198)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=16% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">Balances as of June
  30, 2020</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">37</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">30,589</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(160)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(28)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(1,157)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(12,822)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(6,148)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">11,984</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">49,555</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The accompanying Notes are an integral part of the unaudited condensed
interim consolidated financial statements.</font></font><font face=Arial,sans-serif style="border:none;">
&nbsp;</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-8</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_87"></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: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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><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:0cm;margin-bottom:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><img alt="LOGO BBVA" border=0 height=35 id="Imagen 11" src="d6kjune2020x86x0.jpg" width=100></font><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">&#160;&nbsp;</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:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">Unaudited
Consolidated statements of changes in equity for the six months ended June 30,
2019</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_Var.Patrimonio2jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:14.25pt;">
  <td colspan=15 nowrap width=100% style="background:#E9E9E9;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">CONSOLIDATED
  STATEMENTS OF CHANGES IN EQUITY (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=16% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Capital </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 25)</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Share Premium </font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Equity instruments issued other than capital</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Other Equity</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Retained earnings </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 26)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Revaluation reserves</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Other reserves</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 26)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(-) Treasury shares</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Profit or loss attributable to owners of the parent</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Interim dividend</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 4)</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Accumulated other comprehensive income </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">(Note 27)</font></b></font></p>
  </td>
 <td colspan=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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Non-controlling interest</font></b></font></p>
  </td>
 <td rowspan=2 width=6% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:46.5pt;">
  <td width=16% style="height:46.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2019</font></b></font></p>
  </td>
 <td width=6% style="border:none;height:46.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Accumulated other comprehensive income</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">(Note 28)</font></b></font></p>
  </td>
 <td width=6% style="border:none;border-top:solid black 1.0pt;height:46.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Other</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">(Note 28)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=16% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">Balances as of
  January 1, 2019</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">50</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">23,017</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(57)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(296)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">5,324</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(975)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(7,215)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(3,236)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">9,000</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">52,874</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Effect of
  changes in accounting policies (see Note 1.3)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3,045</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">20</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">76</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(134)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(3,007)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2,054)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">2,054</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=16% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">Adjusted initial
  balance</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">50</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">26,062</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(37)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(296)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">5,400</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(1,109)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(10,223)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(5,290)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">11,054</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">52,874</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Total income/expense
  recognized</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,442</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">356</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(261)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">475</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,011</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">Other changes in
  equity</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(7)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,293</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(40)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">197</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(5,400)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">901</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(138)</font></b></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1,196)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Issuances of common
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Issuances of
  preferred shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Issuance of
  other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Settlement or
  maturity of other equity instruments issued </font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Conversion of
  debt on equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Common Stock
  reduction</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Dividend distribution</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,060)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(3)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(138)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,201)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Purchase of treasury
  shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(591)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(591)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Sale or
  cancellation of treasury shares</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">18</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">788</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">806</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Reclassification
  of other equity instruments to financial liabilities</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Reclassification
  of financial liabilities to other equity instruments</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Transfers within
  total equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,329</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(37)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(5,400)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,109</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Increase/Reduction
  of equity due to business combinations</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Share based payments</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(3)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:8.45pt;">
  <td width=16% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other increases
  or (-) decreases in equity</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(4)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">5</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(208)</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=6% style="height:8.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(207)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=16% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">Balances as of June
  30, 2019</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">3,267</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">23,992</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">-</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">43</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">29,356</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">1</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(77)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(99)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">2,442</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(208)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(9,867)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">(5,551)</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">11,390</font></b></font></p>
  </td>
 <td nowrap width=6% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">54,690</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The accompanying Notes are an integral part of the unaudited condensed
interim consolidated financial statements.</font></font></p>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-9</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<DIV bclHeader>


<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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><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:0cm;margin-bottom:.0001pt;page-break-after:avoid;"><font face=Arial,sans-serif style="border:none;"><img alt="LOGO BBVA" border=0 height=35 src="d6kjune2020x87x0.jpg" width=100></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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">Unaudited
Condensed consolidated statements of cash flows for the six months ended June
30, 2020 and 2019</font></b></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_EEFF_Flujosjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">CONSOLIDATED
  FINANCIAL STATEMENTS OF CASH FLOWS (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-bottom:solid black 1.0pt;height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">A) CASH FLOWS
  FROM OPERATING ACTIVITIES&#160; (1 + 2 + 3 + 4 + 5)</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">27,354</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(14,120)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1. Profit for the
  period</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(823)</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,916</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">2. Adjustments
  to obtain the cash flow from operating activities:</font></b></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">7,962</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">4,225</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Depreciation and
  amortization</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">766</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">790</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other adjustments</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">7,197</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3,435</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">3. Net
  increase/decrease in operating assets </font></b></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(70,785)</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(38,318)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Financial assets
  held for trading</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(20,972)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(14,707)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Non-trading
  financial assets mandatorily at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(196)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">247</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other financial
  assets designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">116</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(337)</font></font></p>
  </td>
 </tr>
<tr style="height:9.0pt;">
  <td nowrap width=63% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Financial
  assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=13% style="height:9.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(11,468)</font></font></p>
  </td>
 <td nowrap width=12% style="height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(7,114)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Financial
  assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(37,577)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(18,072)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other operating
  assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(688)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,665</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">4. Net
  increase/decrease in operating liabilities </font></b></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">91,749</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">17,297</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Financial
  liabilities held for trading</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">22,594</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">10,206</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other financial
  liabilities designated at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(61)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,838</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Financial
  liabilities at amortized cost</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">68,477</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">4,000</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other operating
  liabilities</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">738</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,253</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">5. Collection/Payments
  for income tax</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(749)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(241)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">B) CASH FLOWS
  FROM INVESTING ACTIVITIES&#160; (1 + 2)</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(134)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(598)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1. Investment </font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(269)</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(1,030)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(14)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(672)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Intangible assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(256)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(358)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Investments in
  joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other business units</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Non-current
  assets classified as held for sale and associated liabilities</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other
  settlements related to investing activities</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2. Divestments</font></b></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">136</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">432</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">3</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Intangible assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Investments in
  joint ventures and associates</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">27</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">358</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Subsidiaries
  and other business units</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Non-current
  assets classified as held for sale and associated liabilities</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">105</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other
  collections related to investing activities</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">74</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">C) CASH FLOWS
  FROM FINANCING ACTIVITIES&#160;&#160; (1 + 2)</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(2,938)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(2,257)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1. Payments</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(4,558)</font></b></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(4,812)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Dividends</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,065)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(1,272)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Subordinated
  liabilities</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2,634)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(2,613)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Treasury stock
  amortization</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Treasury stock
  acquisition</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(494)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(591)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other items relating
  to financing activities</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(365)</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">(336)</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2. Collections</font></b></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">1,621</font></b></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">2,555</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Subordinated
  liabilities</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,095</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">1,749</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Treasury shares
  increase</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Treasury shares
  disposal</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">526</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">806</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Other items
  relating to financing activities</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">D) EFFECT OF
  EXCHANGE RATE CHANGES</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(2,709)</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">3,345</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">E) NET INCREASE/DECREASE
  IN CASH OR CASH EQUIVALENTS (A+B+C+D)</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">21,573</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">(13,631)</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">F) CASH AND
  CASH EQUIVALENTS AT BEGINNING OF THE PERIOD</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">44,303</font></b></font></p>
  </td>
 <td nowrap width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:5.5pt;">58,196</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="background:#5AC4C4;border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">G) CASH AND
  CASH EQUIVALENTS AT END OF THE PERIOD (E+F)</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;border:none;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">65,877</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">44,565</font></b></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap valign=bottom width=63% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="background:#E9E9E9;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">COMPONENTS OF
  CASH AND EQUIVALENT AT END OF THE PERIOD (Millions of Euros) (*)</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="background:#E9E9E9;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=12% style="background:#E9E9E9;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td nowrap width=63% style="border:none;border-bottom:solid black 1.0pt;height:16.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">Notes</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2020</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:5.5pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=63% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Cash</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">8</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">5,669</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">5,544</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=63% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Balance of cash
  equivalent in central banks</font></font></p>
  </td>
 <td nowrap width=13% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">8</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">60,207</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">39,021</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=63% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">Other financial
  assets</font></font></p>
  </td>
 <td nowrap width=13% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=63% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">Less: Bank
  overdraft refundable on demand</font></font></p>
  </td>
 <td nowrap width=13% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 <td nowrap width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:5.5pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:8.25pt;">
  <td nowrap width=63% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif lang=EN-US style="font-size:5.5pt;">TOTAL CASH AND
  CASH EQUIVALENTS AT END OF THE PERIOD</font></b></font></p>
  </td>
 <td width=13% style="background:#5AC4C4;height:8.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">65,877</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:5.5pt;">44,565</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;page-break-after:avoid;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:6.0pt;line-height:115%;">(*)&#160;&#160; The composition of the
balance of cash and cash equivalents within central banks of the consolidated
statements of cash flows has been modified, this modification is not relevant
to the condensed interim consolidated financial statements as a whole. For the
purpose of comparison, the information for the six months ended June 30, 2019
has been restated.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;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%;">The accompanying Notes are an
integral part of the unaudited condensed interim consolidated financial
statements</font></font><a name="Nota_1_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>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



<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="_Toc331260302"></a><a name="_Toc331260301"></a><a name="_Toc299032860"></a><a name="_Toc299031521"></a><a name="_Toc299029438"></a><a name="_Toc298431703"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-10</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;"><img border=0 height=35 id="Imagen 10" src="d6kjune2020x88x0.jpg" width=100></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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">Notes
to the condensed interim consolidated financial statements as of and for the
six months ended June 30, 2020</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:avoid;text-align:justify;"><a name="XBRL_TS_7258b2e206ae48788513a03dd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">1.</font></b></font><a name="_Toc508358963"></a><a name="_Toc256000000"></a><a name="_Toc416186905"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">&#160;&#160;&#160;
Introduction, basis for the presentation of the condensed interim consolidated
financial statements</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;"> and other information</font></b></font></p>

<h2 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="_Toc37142332"></a><a name="_Toc376972274"></a><a name="_Toc376949866"></a><a name="_Toc256000001"></a><a name="_Toc256000008"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">1.1&#160;&#160;&#160; Introduction</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc37142333"></a><a name="_Toc256000002"></a><a name="_Toc256000011"></a><a name="_Toc376972275"></a><a name="_Toc376949867"></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%;">Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter &#8220;the Bank&#8221; or
&#8220;BBVA&quot;) is a private-law entity subject to the laws and regulations
governing banking entities operating in Spain. It carries out its activity
through branches and agencies across the country and abroad.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The Bylaws and other public information are available for
inspection at the Bank&#8217;s registered address (Plaza San Nicol&#225;s, 4, Bilbao) as
noted on its web site (www.bbva.com).</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;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 BBVA Group&#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></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The consolidated Financial Statements of the BBVA Group for the
year ended December 31, 2019 were authorized for issue on February 28, 2020.</font></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">1.2&#160;&#160;&#160; </font></b></font><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;">Basis for the presentation of the
condensed interim consolidated financial statements</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc37142334"></a><a name="_Toc376972276"></a><a name="_Toc376949868"></a><a name="_Toc256000003"></a><a name="_Toc256000015"></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%;">The BBVA Group&#8217;s condensed interim consolidated financial
statements (hereinafter, the &#8220;consolidated Financial Statements&#8221;) are presented
in accordance with the International Accounting Standard &#8220;Interim Financial
Reporting&#8221; (&#8220;IAS 34&#8221;) and have been prepared by the Board of Directors at its
meeting held on July 29, 2020. In accordance with IAS 34, the interim financial
information is prepared solely for the purpose of updating the last annual
consolidated Financial Statements, focusing on new activities, events and
circumstances that occurred during the period without duplicating the
information previously published in those consolidated Financial Statements.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">Therefore, the accompanying consolidated Financial Statements do
not include all information required by a complete set of consolidated
Financial Statements prepared in accordance with International Financial
Reporting Standards endorsed by the European Union (hereinafter, &#8220;EU-IFRS&#8221;),
consequently for an appropriate understanding of the information included in
them, they should be read together with the consolidated Financial Statements
of the Group as of and for the year ended December 31, 2019.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The aforementioned annual consolidated Financial Statements were prepared
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:115%;"> &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:115%;">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,
2019, considering the Bank of Spain Circular 4/2017, (as amended thereafter)
and any other legislation governing financial reporting applicable to the Group
in Spain.</font></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-11</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The accompanying consolidated
Financial Statements were prepared applying principles of consolidation,
accounting policies and valuation criteria, which, as described in Note 2, are
the same as those applied in the consolidated Financial Statements of the Group
as of and for the year ended December 31, 2019, taking into consideration the
new Standards and Interpretations that became effective from January 1, 2020
(see Note 2.1), so that they present fairly the Group&#8217;s consolidated equity and
financial position as of June 30, 2020, together with the consolidated results
of its transactions and the consolidated cash flows generated by the Group
during the six months ended June 30, 2020.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The consolidated Financial Statements and explanatory notes were
prepared on the basis of the accounting records kept by the Bank and each of
the other entities in the Group. They include the adjustments and
reclassifications required to harmonize the accounting policies and valuation
criteria used by the entities in the Group.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;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></p>

<p style="border:none;margin:0cm;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:8.0pt;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. Therefore, 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></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The percentage changes in amounts have been calculated using
figures expressed in thousands of euros.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">When determining the information to disclose about various items
of the consolidated financial statements, the Group, in accordance with IAS 34,
has taken into account their materiality in relation to the consolidated
financial statements.</font></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">1.3&#160;&#160;&#160; Comparative information</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Hyperinflationary economies</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">Considering the interpretation issued by the International
Financial Reporting Interpretations Committee (IFRIC) in its &#8220;IFRIC Update&#8221; of
March 2020 on IAS 29 &#8220;Financial information in hyperinflationary economies&#8221;,
the Group made an accounting policy change which involves recording the
differences generated when translating the restated financial statements of the
subsidiaries in hyperinflationary economies into euros in the line item
&#8220;Accumulated other comprehensive income &#8211; Items that may be reclassified to
profit or loss &#8211; Foreign currency translation&#8221; of our consolidated balance
sheet.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">In order to make the information as of December 31, 2019
comparable with information as of June 30, 2020, the former has been restated
by reclassifying &#8364;2,985 million from &#8220;Shareholders&#8217; funds &#8211; Retained earnings&#8221;
and &#8364;6 million from &#8220;Shareholders&#8217; funds &#8211; Other reserves&#8221; to &#8220;Accumulated
other comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211;
Foreign currency translation&#8221;.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The reclassification has been recorded as &#8220;Effect of changes in
accounting policies&#8221; under the balance as of January 1, 2019 in the
consolidated statement of changes in equity for the six-month period ended June
30, 2019.</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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">IFRS 9 &#8211; collection of interest on impaired
financial assets</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">As a consequence of the application of the interpretation issued
by the IFRIC in its &#8220;IFRIC Update&#8221; of March 2019 regarding the collection of
interest on impaired financial assets under IFRS 9, such collections are
presented since 2020 as reductions in credit-related write-offs whereas
previously they were included as interest income. In order to make the
information for the six months ended June 30, 2019 comparable with the
information for the six months ended June 30, 2020, the unaudited condensed
interim consolidated income statement for the six months ended June 30, 2019
has been restated by recognizing a &#8364;45 million reduction in the heading
&#8220;Interest and other income&#8221; and a &#8364;45 million increase in the heading
&#8220;Impairment or reversal of impairment on financial assets not measured at fair
value through profit or loss or net gains by modification&#8221;. This
reclassification has had no impact on the profit for the period for the six
months ended June 30, 2019 or on the consolidated total equity as of June 30,
2019.</font></font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;">&nbsp;</h2>
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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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-12</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;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;">1.4&#160;&#160;&#160; Seasonal
nature of income and expense</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc37142335"></a><a name="_Toc256000004"></a><a name="_Toc256000016"></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%;">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, and are not significantly affected by seasonal factors
within the same year.</font></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">1.5&#160;&#160;&#160; </font></b></font><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;">Management and impacts of the
COVID-19 pandemic</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc37142337"></a><a name="_Toc256000006"></a><a name="_Toc256000018"></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%;">The appearance of the Coronavirus COVID-19 in China and its global
expansion to a large number of countries, has motivated the viral outbreak to
be classified as a global pandemic by the World Health Organization since last
March 11, 2020. The pandemic has affected and continues to adversely affect the
world economy and economic activity and conditions in the countries in which
the Group operates, leading many of them to economic recession.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">In this pandemic situation, BBVA has focused its attention on
ensuring the continuity of the business operational security as a priority and
monitoring the impacts on the business and on the risks of the Group (such as the
impacts on results, capital or liquidity). Additionally, BBVA adopted from the
beginning a series of measures to support its main interest groups. In this
sense, the purpose and the Group's long-term strategic priorities remain the
same and are even reinforced, with a commitment to technology and data-driven
decision-making.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">With the aim of mitigating the impact of COVID-19, various
European and International bodies have made pronouncements aimed at allowing
greater flexibility in the implementation of the accounting and prudential
frameworks. The BBVA Group has taken these pronouncements into consideration
when preparing this report (see Note 6.2.1).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The main impacts of COVID-19
pandemic in the BBVA Group's consolidated Financial Statements are detailed in
the following explanatory notes:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">Note 1.6 includes information on
the consideration of the COVID-19 pandemic in the estimates made.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">Note 4 mentions the amendment of
the Group&#8217;s shareholder remuneration policy, in accordance with the
recommendation issued by the European Central Bank, which no longer pays any
amount as a dividend for the financial year 2020 until as long as the
uncertainties generated by the pandemic remain.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">Note 6.1 details the main risks
associated with the pandemic as well as the impacts that have occurred both in
the activity and in the consolidated financial statements for the first half of
2020.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">Note 6.2 includes information
related to the initiatives carried out by the Group to help the most affected
clients, jointly with the corresponding governments. Likewise, it contains,
among others, information regarding the number of operations and the amount
corresponding to moratorium measures, both public and private, granted by the
Group worldwide.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">Note 6.3 presents information
regarding the impact on liquidity and financing risk.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">Note 17.1 includes information
concerning the impairment of the goodwill in the United States carried out for
the six months ended June 30, 2020, mainly due to the impact of COVID-19 in
updating the macroeconomic scenario and the expected evolution of interest rates.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">Note 29 includes information with
regard to the impact on the Group's capital.</font></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">1.6&#160;&#160;&#160; </font></b></font><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">Responsibility for the
information and for the estimates made</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc413086305_0"></a><a name="_Toc256000020"></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%;">The information contained in the
BBVA Group&#8217;s consolidated Financial Statements is the responsibility of the
Group&#8217;s Directors.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;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,
expense and commitments. These estimates relate mainly to the following:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">Loss allowances on certain
financial assets (see Notes 6, 12, 13 and 15).</font></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-13</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">The assumptions used to quantify
certain provisions (see Notes 22 and 23) and for the actuarial calculation of
post-employment benefit liabilities and commitments (see Note 24).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">The useful life and impairment
losses of tangible and intangible assets (see Notes 16, 17, 19 and 20).</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">The valuation of goodwill and price
allocation of business combinations </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:115%;">(see Note
17)</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:115%;">.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">The fair value of certain unlisted
financial assets and liabilities </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:115%;">(see Note 7, 9,
10, 11, 12 and 14)</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:115%;">.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;page-break-after:auto;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;
&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:115%;">The recoverability of deferred tax
assets </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:115%;">(see Note 18)</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: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;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">On March 11, 2020, COVID-19 was
declared as a global pandemic by the World Health Organization (see Note 1.5).
The great uncertainty associated to the unprecedented nature of this pandemic
entails a greater complexity of developing reliable estimations and applying
judgment.</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;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Therefore, these estimates have
been made on the basis of the best available information on the matters
analyzed, as of June 30, 2020. However, it is possible that events may take
place in the future which could make it necessary to amend these estimations
(upward or downward), which would be carried out prospectively, recognizing the
effects of the change in estimation in the corresponding consolidated income
statement.</font></font></p>

<p align=left style="border:none;margin-bottom:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:left;"><a name="XBRL_TS_8eb06f8007ab45eeaf4296d22"></a><a name="XBRL_TS_c9c4dad41895499e9fd29c7fd"></a><a name="XBRL_TS_7258b2e206ae48788513a03dd_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">2.&#160;&#160;&#160; Principles
</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:11.0pt;">of consolidation, accounting policies, measurement bases applied
and recent IFRS pronouncements and interpretations</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc37142340"></a><a name="_Toc256000021"></a><a name="_Toc256000009"></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%;">The accounting policies and methods applied for the preparation of
the accompanying consolidated Financial Statements do not differ significantly
to those applied in the consolidated Financial Statements of the Group for the
year ended December 31, 2019 (Note 2), except for the entry into force of new
standards and interpretations in 2020.</font></font><a name="XBRL_TS_c9c4dad41895499e9fd29c7fd_bclEnd"></a></p>

<h2 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_e88d0d721c90437984c832841"></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;">2.1&#160;&#160;&#160;
</font></b></font><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;">Standards and interpretations that became effective in the first
six months of 2020</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">In addition to the mentioned in
Note 1.3, the following amendments to the IFRS standards or their
interpretations (hereinafter &#8220;IFRIC&#8221;) became effective on or after January 1,
2020:</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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">IAS 1 and IAS 8 &#8211; &#8220;Definition of Material&#8221;</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The amendments clarify the definition of Material in the
preparation of the financial statements by aligning the definition of the Conceptual
Framework, IAS 1 and IAS 8 (which, before such amendment, contained similar but
not identical definitions). The new definition of material is as follows:
&#8220;information is material if its omission, misrepresentation or obscuration can
reasonably be expected to influence the decisions made by the primary users of
a specific entity&#8217;s general purpose financial statements, based on those
financial statements.&#8221;</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The implementation of this standard has had no significant impact
on the Group&#180;s consolidated financial statements.</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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">IFRS 3 &#8211; &#8220;Definition of a business&#8221;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The amendment clarifies the
difference between &#8220;acquiring a business&#8221; or &#8220;acquiring a group of assets&#8221; for
accounting purposes. To determine whether a transaction is the acquisition of a
business, an entity has to evaluate and conclude that the following two
conditions are met:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The fair value of the assets
acquired is not in a single asset or group of similar assets.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The set of acquired activities and
assets includes, as a minimum, an input and a substantive process that together
contribute to the ability to create products.</font></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-14</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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 color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The implementation of this standard has had no significant impact
on the Group&#180;s consolidated financial statements.</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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">IFRS 9, IAS 39 and IFRS 7 &#8211; Modifications &#8211; IBOR
Reform</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The IBOR Reform (Phase 1) refers to the amendments to IFRS 9, IAS
39 and IFRS 7 issued by the IASB to prevent some hedge accounting from having
to be discontinued in the period before the reform of the interest rate
references takes place. As the Group applies IAS 39 for hedge accounting, the
amendments of IFRS 9 which are stated in this section are not applicable.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">In some cases and / or jurisdictions, there may be uncertainty
about the future of some interest rate references or their impact on the
contracts held by the entity, which directly causes uncertainty about the
timing or amounts of the cash flows of the hedged instrument or hedging
instrument. Due to such uncertainties, some entities may be forced to
discontinue their hedge accounting, or not be able to designate new hedging
relationships.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">For this reason, the amendments include several transitory reliefs
that apply to all hedging relationships that are affected by the uncertainty
arising from the IBOR reform; A hedging relationship is affected by the reform
if it generates uncertainty about the timing or amount of the cash flows of the
hedged financial instrument or that of a hedging instrument referenced to the
particular interest rate benchmark. The reliefs refer specifically to the
requirements for highly probable future cash flow hedging transactions, to the
future and retrospective effectiveness (relief of the compliance of the
effectiveness ratio of 80-125%) and to the need to identify each risk component
separately.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">Since the purpose of the modification is to provide some temporary
relief to the application of certain specific requirements of hedge accounting,
these exceptions must end once the uncertainty is resolved or the hedging
relationship ceases to exist.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The IBORs transition is considered a complex initiative, which
affects BBVA Group in different geographical areas and business lines, as well
as in multiple products, systems and processes. Thus, the Group has established
a transition project, endowed with a robust governance structure, through an
Executive Steering Committee, with representation from senior management in the
affected areas, reporting directly to the Group's Global Leadership Team. At
the local level, each geography has defined a local government structure with
the participation of senior management. Coordination between geographies is
done through the Project Management Office (PMO) and the Global Working Groups
that have a multi-geographic and transversal vision in the areas of Legal,
Risk, Regulatory, Finance and Accounting, Engineering and Communication. The
project also involves both Corporate Assurance from different geographies and
business lines and the Group's Global Corporate Assurance.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">BBVA Group has a significant number of financial assets and liabilities
whose contracts are referenced to IBORs, especially the EURIBOR, which is used,
among others, for loans, deposits and debt issues, as well as underlying in
derivative financial instruments. Furthermore, although the exposure to EONIA
is lower in the banking book, this IBOR is used as the underlying reference in
derivative financial instruments of the trading book, as well as for the
treatment of collaterals, mainly in Spain. In the case of LIBOR, the USD is the
most relevant currency for, both, debt instruments of the banking book and the
trading book. Other LIBOR currencies (CHF, GBP and JPY) have a lower specific
weight.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">Likewise, the Group maintains cash flow and fair value hedges
which are exposed to different IBORs, especially with the EURIBOR, LIBOR USD
and to a much lesser extend LIBOR GBP and other indices. The Group considers
the amendments to IAS 39 and IFRS 7 applicable in the case of uncertainties
about the future cash flows.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">As of June 30, 2020, the Group estimates that there exist generally
no uncertainties regarding the EURIBOR, as it has been replaced by a hybrid
EURIBOR which counts with a methodology that complies with the requirements of
the different international institutions. In the case of the rest of the
indices which are used for hedge accounting, despite the uncertainty, based on
the reliefs which are foreseen in the standard, the hedging relations for the
six-month period ended June 2020, have not been affected.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The assumptions made by the Group based on these reliefs are that
in the case of cash flow hedges, those hedged cash flows will not be modified
because of the reform and, therefore, continue to comply with the requirement
of the future transaction to be highly probable. Likewise, at the time of
performing the effectiveness test, it is assumed that the reference indices
will not be modified by the reform.</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-15</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The aforementioned project takes
into account the different approaches and transition deadlines to the new RFRs (risk-free
rate) when evaluating the economic, operational, legal, financial, reputational
or compliance risks associated with the transition, as well as when defining
the action lines to mitigate them. A relevant aspect of this transition is its
impact on contracts of financial instruments referenced to IBORs maturing after
2021. In this regard, in the case of EONIA, BBVA aims to carry out a novation
of contracts maturing after 2021. The Group already has new contractual clauses
that incorporate the &#8364;STR as a substitute index as well as contractual clauses
to incorporate this index as the principal for new contracts. Regarding
derivatives, in which EONIA is mainly used, the actions are carried out through
the ISDA plan. In the case of LIBOR, there is an additional difficulty related
to uncertainty regarding its future. To anticipate, the Group is working on
identifying the stock of contracts maturing after 2022 to determine its action
plan (including - if possible - the novation of such contracts) and with a view
to carrying out actions in cooperation with banking associations. Meanwhile, in
the case of EURIBOR, the European authorities have supported the continuity of
the index and have supported modifications in its methodology so that it
complies with the requirements of the European Reference Index Regulation. BBVA
actively participates in various working groups, including the EURO RFR WG that
works specifically, among other topics, in the definition of fallbacks in
contracts.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The nominal amounts of the interest
rate derivatives included in the hedging accounting relations represent the
approach of the risk exposure that the Group is managing and are directly
affected by the reform and, as a consequence, affected by the temporary
reliefs. The nominal amount of the hedging instruments directly affected by the
IBOR reform as of June 30, 2020 are the following:</font></font><a name="XBRL_TS_8eb06f8007ab45eeaf4296d22_bclEnd"></a><a name="XBRL_TS_e88d0d721c90437984c832841_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_IBOR_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Millions of
  Euros </font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=35% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">LIBOR USD </font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">LIBOR GBP</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other - TIIE (*)</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">TOTAL</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=35% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Cash flow
  hedges</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10,318</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">601</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10,920</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=35% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value
  hedges</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12,667</font></font></p>
  </td>
 <td nowrap width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">299</font></font></p>
  </td>
 <td nowrap width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,621</font></font></p>
  </td>
 <td nowrap width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">15,588</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_bb459c9c2c1543cfb9295745b"></a><a name="XBRL_FS_09c16402cb03419eaeb1ddebe"></a><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(*)
Equilibrium Interbank Interest Rate used in Mexico.</font></font><a name="XBRL_FS_09c16402cb03419eaeb1ddebe_bclEnd"></a></p>

<h2 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_bd64d20904b44b1786a5bf0f2"></a><a name="_Toc37142341"></a><a name="_Toc256000010"></a><a name="_Toc256000022"></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;">2.2&#160;&#160;&#160;
Standards </font></b></font><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;">and interpretations issued but not yet effective as
of June 30, 2020</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc256000023"></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%;">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 June 30, 2020. Although in some cases
the </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:115%;">International Accounting Standards
Board (&#8220;IASB&#8221;) </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:115%;">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:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;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:8.0pt;line-height:115%;">IFRS 16 &#8211;Leases &#8211; COVID-19 modifications</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">On May 28, 2020, the IASB approved an amendment to IFRS 16 to
include a practical expedient to the accounting treatment for rent concessions (moratoriums
and temporary rent reductions) that occur due to COVID-19 (see Note 1.5).</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The amendment permits lessees to account for rent concessions as
if they were not lease modifications to the initial ones. It is applicable to
rent concessions related to COVID-19, which reduces lease payments before June
30, 2021.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">This amendment is effective from June 1, 2020 and is expected to
be endorsed by the European Union in the second half of 2020. The amendment is
not expected to have a significant impact on the consolidated Financial Statements
of the Group.</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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">IFRS 17 &#8211; Insurance contracts</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">This Standard will be applied to the accounting years starting on
or after January 1, 2023.</font></font><a name="XBRL_TS_bb459c9c2c1543cfb9295745b_bclEnd"></a><a name="XBRL_TS_bd64d20904b44b1786a5bf0f2_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:avoid;text-align:justify;"><a name="XBRL_TS_d883b1f3d986483294c9fef3d"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-16</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">3.&#160;&#160;&#160;
BBVA Group</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc331260310_0"></a><a name="_Toc299032869_0"></a><a name="_Toc299031530_0"></a><a name="_Toc299029448_0"></a><a name="_Toc298431712_0"></a><a name="_Toc256000028"></a><a name="_Toc508358966"></a><a name="_Toc416186908"></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%;">The BBVA Group is an international
diversified financial group with a significant presence in retail banking,
wholesale banking and asset management. The Group also operates in the
insurance sector.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The following information is
detailed in the Appendices to the consolidated Financial Statements of the
Group for the year ended December 31, 2019:</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:6.0pt;margin-left:32.05pt;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:8.0pt;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;
&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:115%;">Appendix I shows relevant information
related to the consolidated subsidiaries and structured entities.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:6.0pt;margin-left:32.05pt;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:8.0pt;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;
&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: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:0cm;margin-bottom:6.0pt;margin-left:32.05pt;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:8.0pt;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;
&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: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:0cm;margin-bottom:6.0pt;margin-left:32.05pt;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:8.0pt;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;
&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:115%;">Appendix IV shows fully
consolidated subsidiaries with more than 10% owned by non-Group shareholders.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The BBVA Group&#8217;s activities are mainly located in Spain, Mexico,
South America, the United States and Turkey, with an active presence in other
areas of Europe and Asia (see Note 5).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Significant
transactions in the first six months of 2020</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:avoid;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:8.0pt;line-height:115%;">Agreement for the alliance with </font></font><font color=#009EE5 face=Arial,sans-serif style="border:none;"><font color=#009EE5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A.</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 color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">On April 27, 2020, BBVA reached an agreement with
Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A. to create a bancassurance joint
venture in Spain including a long-term exclusive distribution agreement for the
sale of property-casualty insurance products through BBVA&#8217;s banking network in
Spain. BBVA will transfer its non-life insurance business in Spain, excluding
the health insurance line, to the new joint venture. Excluding a variable part
of the price to be paid by Allianz (which may amount to up to &#8364;100 million
related to achieving specific business goals and certain milestones), it is
expected that the transaction will generate a profit net of taxes amounting to
approximately &#8364;300 million, and that the positive impact on the fully loaded
CET1 capital ratio of the BBVA Group will be approximately 7 basis points. The
closing of the transaction is subject to obtaining the relevant regulatory
authorizations from the competent authorities.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Significant transactions in 2019</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:avoid;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:8.0pt;line-height:115%;">Sale of BBVA&#8217;s stake in BBVA Paraguay</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">BBVA reached an agreement with Banco GNB Paraguay S.A., a
subsidiary of Grupo Financiero Gilinski, for the sale of its shareholding,
directly and indirectly, in Banco Bilbao Vizcaya Argentaria Paraguay, S.A.
(&quot;BBVA Paraguay&quot;). BBVA owned, directly and indirectly, 100% of its
share capital in BBVA Paraguay.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The sale price of the BBVA Paraguay shares amounts to
approximately $270 million. In this type of transaction, the price is subject
to adjustments between the date of signature and the closing date of the
operation.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">It is estimated that the gains (net of taxes) will amount to
approximately &#8364;20 million and the positive impact on the Common Equity Tier 1
(fully loaded) of the BBVA Group will be approximately 6 basis points. The
closing of the transaction is subject to obtaining the relevant regulatory
approvals from the appropriate authorities.</font></font><a name="XBRL_TS_d883b1f3d986483294c9fef3d_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-17</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;text-indent:0cm;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">4.&#160;&#160;&#160; Shareholder remuneration system</font></b></font></p>

<p style="background:white;border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc256000029"></a><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The Annual General Meeting
of March 13, 2020, approved the payment in cash of &#8364;0.16 (&#8364;0.1296 net of
withholding tax) for all outstanding BBVA shares as final dividend for 2019.
The dividend was paid on April 9, 2020.</font></font></p>

<p style="background:white;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="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">On April 30, 2020, in accordance with the
recommendation ECB/2020/19 issued by the ECB on March 27, 2020 on dividend
distributions during the COVID-19 pandemic, the Board of Directors of BBVA has
resolved to modify the dividend policy of the Group, as announced on February
1, 2017, for the 2020 financial year, determining not to pay any dividend
corresponding to such year until the uncertainties caused by the COVID-19
pandemic disappear and, in any case, not before the end of such year.</font></font><a name="XBRL_TS_ded4d4d452e74e7eb3207cdec_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;text-indent:0cm;"><a name="XBRL_TS_7ff28ddda5bf4a1798cacd2d5"></a><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">5.&#160;&#160;&#160;
Operating segment reporting</font></b></font></p>

<p style="border:none;margin:0cm;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:8.0pt;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></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">As of June 30, 2020, the structure
of the information by business segments of the BBVA Group remains the same as
that of the closing of 2019 financial year. The BBVA Group's operating segments
are summarized below:</font></font><a name="XBRL_TS_7ff28ddda5bf4a1798cacd2d5_bclEnd"></a></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><a name="XBRL_TS_22dd86e97ab5478da9bb54619"></a><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;</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;">Spain</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Includes mainly the banking and insurance business that the Group
carries out in Spain.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;</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 United States</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Includes the business activity of BBVA USA and the activity of the
branch of BBVA Spain in New York.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;</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;">Mexico</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Includes banking and insurance businesses in this country as well
as the activity of BBVA Mexico in Houston.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;</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;">Turkey</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Reports the activity of Garanti BBVA group that is mainly carried
out in this country and, to a lesser extent, in Romania and the Netherlands.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;</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;">South America</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Primarily includes the Group&#180;s banking and insurance businesses in
the region.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:35.7pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font face=Symbol lang=EN-US style="font-size:8.0pt;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;</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;">Rest of Eurasia</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Includes the banking business activity carried out by the Group in
Asia and Europe, excluding Spain.</font></font><a name="XBRL_TS_22dd86e97ab5478da9bb54619_bclEnd"></a></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_d622022bbe8c40abbf79f5434"></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%;">Corporate
Center performs centralized Group functions, including: the costs of the head
offices with a corporate function, management of structural exchange rate
positions and some equity instruments issuances to support 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.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The breakdown of the BBVA Group&#8217;s
total assets by operating segments as of June 30, 2020 and December 31, 2019,
is as follows:</font></font><a name="XBRL_TS_d622022bbe8c40abbf79f5434_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_06_001jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total assets
  by operating segments (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Spain</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">419,475</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">365,380</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The United States</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">101,118</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">88,529</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Mexico</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">103,671</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">109,079</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Turkey </font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">63,525</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">64,416</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">South America</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">57,891</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">54,996</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of Eurasia</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">26,805</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">23,257</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Subtotal assets
  by operating segments</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">772,485</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">705,656</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Corporate
  Center and adjustments</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(18,661)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(6,967)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total assets
  BBVA Group</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">753,824</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">698,690</font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-18</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;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_bf77471e0f6143f0a01a1c6a3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The
following table sets forth certain summarized information relating to the
income of each operating segment and Corporate Center for the six months ended
June 30, 2020 and 2019.</font></font><a name="XBRL_TS_bf77471e0f6143f0a01a1c6a3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_06_005junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=9 width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Main margins
  and profit by operating segments (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=22% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td colspan=6 width=59% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Operating segments</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:33.75pt;">
  <td width=22% style="height:33.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Group</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Spain</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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The United </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">States</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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">South America</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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">of</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Eurasia</font></b></font></p>
  </td>
 <td width=9% style="height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Corporate Center</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Net interest
  income</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,653</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,793</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,133</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,717</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,534</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,443</font></font></p>
  </td>
 <td width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">102</font></font></p>
  </td>
 <td width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(69)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gross income</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12,045</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,900</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,607</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,550</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,957</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,664</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">268</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">98</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Operating
  income</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,533</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,371</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">648</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,349</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,394</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">945</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">131</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(307)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Profit/(loss)
  before tax</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(368)</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">124</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">15</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">891</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">715</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">297</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">89</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,500)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=22% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Net
  attributable profit (loss)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,157)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">88</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">26</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">654</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">266</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">159</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">66</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,416)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2019</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Net interest
  income</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,941</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,763</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,217</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,042</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,353</font></font></p>
  </td>
 <td width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,613</font></font></p>
  </td>
 <td width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">85</font></font></p>
  </td>
 <td width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(132)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gross income</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11,944</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,773</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,615</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,901</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,677</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,994</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">220</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(236)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Operating
  income</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,069</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,145</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">655</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,611</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,084</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,215</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">78</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(718)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=22% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Profit/(loss)
  before tax</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,052</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,027</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">363</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,783</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">726</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">847</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">69</font></font></p>
  </td>
 <td width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(762)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=22% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Net
  attributable profit (loss)</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,442</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">734</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">297</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,287</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">282</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">404</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">55</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(616)</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:avoid;text-align:justify;"><a name="_Toc410561201"></a><a name="_Toc331260310_0_0"></a><a name="_Toc299032869_0_0"></a><a name="_Toc299031530_0_0"></a><a name="_Toc299029448_0_0"></a><a name="_Toc298431712_0_0"></a><a name="XBRL_TS_8f720a64fde744749d5104a36"></a><a name="_Toc508358968"></a><a name="_Toc416186910"></a><a name="_Toc256000030"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">6.&#160;&#160;&#160;
Risk management</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:8.0pt;line-height:115%;">The principles and risk management policies, as well as tools and
procedures established and implemented in the Group as of June 30, 2020 do not
differ significantly from those included in Note 7 in the consolidated
Financial Statements of the Group for the year ended December 31, 2019. Since
January 1, 2020, the main changes were due to the effects of the COVID-19
pandemic, as detailed in these consolidated Financial Statements.</font></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">6.1&#160;&#160;&#160; Risk factors</font></b></font></h2>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">BBVA Group has processes in place for identifying risks and
analyzing scenarios in order to enable the Group to manage risks in a dynamic
and proactive way.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The risk identification processes are forward looking to seek 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:0cm;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:8.0pt;line-height:115%;">Risks are identified 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:0cm;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:8.0pt;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>


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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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-19</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">In this
context, there are a number of emerging risks that could affect the evolution
of the Group's business, including the below:</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:1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:8.0pt;line-height:115%;">The coronavirus (COVID-19) pandemic
is adversely affecting the Group</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:53.85pt;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:8.0pt;line-height:115%;">The coronavirus (COVID-19) pandemic has affected, and is expected
to continue to adversely affect, the world economy and economic activity and
conditions in the countries in which the Group operates, leading many of them
to economic recession. Among other challenges, these countries are experiencing
widespread increases in unemployment levels and falls in production, while
public debt has increased significantly due to support and spending measures
implemented by government authorities. In addition, there has been an increase
in debt defaults by both companies and individuals, volatility in the financial
markets, volatility in exchange rates and falls in the value of assets and
investments, all of which have adversely affected the Group&#8217;s results in the first
six months of 2020, and are expected to continue affecting the Group&#8217;s results
in the future.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:53.85pt;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:8.0pt;line-height:115%;">Furthermore, the Group may be affected by the measures adopted by
regulatory authorities in the banking sector, including but not limited to, the
recent reductions in reference interest rates, the relaxation of prudential
requirements, the suspension of dividend payments until October 1, 2020, the
adoption of moratorium measures for bank customers (such as those included in
Royal Decree Law 11/2020 in Spain, as well as in the CECA-AEB agreement to
which BBVA has adhered and which, among other things, allows loan debtors to
extend maturities and defer interest payments) and facilities to grant credit
with the benefit of public guarantees, especially to companies and
self-employed individuals, as well as changes in the financial asset purchase
programs.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:53.85pt;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:8.0pt;line-height:115%;">Since the outbreak of COVID-19, the Group has experienced a
decline in its activity. For example, the granting of new loans to individuals
has significantly decreased since the beginning of the state of emergency or
periods of confinement decreed in certain countries in which the Group
operates. In addition, the Group faces various risks, such as an increased risk
of deterioration in the value of its assets (including financial instruments
valued at fair value, which may suffer significant fluctuations) and of the
securities held for liquidity reasons, a possible significant increase in
non-performing loans and a negative impact on the Group&#8217;s cost of financing and
on its access to financing (especially in an environment where credit ratings
are affected). </font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:53.85pt;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:8.0pt;line-height:115%;">In addition, in several of the countries in which the Group
operates, including Spain, the Group has temporarily closed a significant
number of its offices and reduced hours of working with the public, and the
teams that provide central services have been working remotely. These measures
are being gradually reversed in some regions, such as Spain, however, due to
the continued expansion of the COVID-19 pandemic, it is unclear how long it
will take for normal operations to be fully resumed. The COVID-19 pandemic
could also adversely affect the business and operations of third parties that
provide critical services to the Group and, in particular, the greater demand
and/or reduced availability of certain resources could in some cases make it
more difficult for the Group to maintain the required service levels.
Furthermore, the increase in remote working has increased the risks related to
cybersecurity, as the use of non-corporate networks has increased.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:53.85pt;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:8.0pt;line-height:115%;">As a result of the above, while the impact of the COVID-19
pandemic only started to be evident at the end of the first quarter of 2020, it
has had an adverse effect on the Group's results for the first half of 2020, as
well as on the Group's capital base as of June 30, 2020. The main accumulated
impacts have been:</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:53.85pt;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:8.0pt;line-height:115%;">(i)&#160;&#160;&#160; an increase in the cost of risk associated with the lending
activity, mainly due to the deterioration of the macroeconomic environment,
which has had a negative impact of &#8364;2,009 million in the Group (including the
initial adverse effect of deferment of payment) and provisions for credit risk
and contingent commitments for &#8364;95 million. (See Notes 6.2, 41 and 42); and</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:53.85pt;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:8.0pt;line-height:115%;">(ii)&#160;&#160; a deterioration in the goodwill of the Group's subsidiary
in the United States, mainly due to the deterioration of the macroeconomic
scenario in the United States, which has had a net negative impact of &#8364;2,084
million on the Group's attributed profit in this period (although this impact
does not affect the tangible book value, nor the solvency or the liquidity of
the Group) (see Notes 17.1 and 44).</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:53.85pt;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:8.0pt;line-height:115%;">The final magnitude of the impact of the COVID-19 pandemic on the
Group's business, financial condition and results of operations, which is
expected to be significant, will depend on future and uncertain events,
including the intensity and persistence over time of the consequences arising
from the COVID-19 pandemic in the different geographies in which the Group
operates.</font></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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:6.0pt;page-break-after:avoid;text-align:justify;text-indent:1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:8.0pt;line-height:115%;">Macroeconomic and geopolitical risks</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.85pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:8.0pt;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:8.0pt;line-height:115%;">Global economy is being severely
affected by the COVID-19 pandemic, which has spread to most countries around
the world and is affecting their economies in stages due to the lockdown
measures that restrict business, and impact consumer and business confidence.
Although many countries in East Asia and Europe now seem to be over the worst
of the pandemic and have reopened their economies, it is still spreading in
much of the American continent. Governments and central banks have generally
implemented fiscal and monetary stimulus measures, which are helping to
mitigate the economic impact, but this will not prevent the global economy from
entering in a recession during the second half of the year.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.85pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:8.0pt;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:8.0pt;line-height:115%;">During the second quarter of 2020,
the financial markets have generally remained stable due to the actions of the
central banks in the developed countries (announcements of asset purchases,
lending facilities, interest rate reductions) and various fiscal stimulus
packages announced by governments. In addition, the relaxing of the lockdown
taking place in most countries and the corresponding upturn in economic
activity have contributed to improving economic confidence and activity. With respect
to the latter, the indicators generally show that the contraction until April
was sharper than expected, but that the improvement since May has been robust
and relatively widespread, especially in the developed economies where support
through the policies has been more significant and effective.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.85pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:8.0pt;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:8.0pt;line-height:115%;">In terms of global growth, BBVA
Research expects a V-shaped recovery in economic activity, although without
reaching pre-crisis GDP levels. This recovery will be slower than expected and
will vary across the different regions. BBVA Research's baseline scenario is
based on the assumption that there will be further waves of infections until a
vaccine or treatment for COVID-19 becomes available, without it resulting in
strict lockdown measures. As a result, growth forecasts have been revised
downward in 2020 and upward in 2021, with a higher cumulative loss of GDP over
the two-year period, especially in emerging countries. More specifically, BBVA
Research has adjusted its global growth forecast from -2.4% to around -3.1% in
2020 and from 4.8% to 5.1% in 2021. However, one should keep in mind that
epidemiological, economic, financial and geopolitical factors will lead to
uncertainty remaining at exceptionally high levels and this will be a source of
risk to economic forecasts.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.85pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:8.0pt;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:8.0pt;line-height:115%;">With regard to the banking system,
in an environment in which much of the economic activity has been at a
standstill for several months, banking services have played an essential role,
fundamentally for two reasons: first, the banks have ensured the proper
functioning of collections and payments for households and companies, thereby
contributing to the maintenance of economic activity; second, the granting of
new lending or the renewal of existing lending has reduced the impact of the
economic slowdown on households and business incomes. In the current situation,
it is very important to ensure that the temporary liquidity problems faced by
companies do not become solvency problems, thus jeopardizing their survival and
the jobs they create. As a result, the support provided by the banks during the
months of lockdown and the public guarantees have been essential, as the banks
have been the only source of financing for most of the companies.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.85pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-18.0pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:8.0pt;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:8.0pt;line-height:115%;">Although in terms of profitability,
European and Spanish banks are still far from the levels seen before the
crisis, due mainly to their accumulation of capital and the low interest rate
environment we have been experiencing for some time now, the financial
institutions are facing this challenge from a healthy position since their
solvency has been constantly improving since the 2008 crisis, with increased
capital and liquidity buffers and therefore a greater capacity to lend.</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:1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:8.0pt;line-height:115%;">Regulatory and reputational risks</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;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:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;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, the internal control model, the Code of Conduct, the Corporate Principles
in tax matters and Responsible Business Strategy of the Group.</font></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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;page-break-after:avoid;text-align:justify;text-indent:1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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-AU style="font-size:8.0pt;line-height:115%;">Business, operational and legal
risks</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;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, etc.) but also opportunities (new
framework of relations with customers, greater ability to adapt to their needs,
new products and distribution channels, etc.). 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:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;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.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;line-height:115%;">The financial sector faces an
environment of increasing regulatory and litigious pressure, and thus, the
various Group entities are usually party to individual or collective judicial
proceedings (including class actions) resulting from their activity and
operations, as well as arbitration proceedings. The Group is also party to
other government procedures and investigations, such as those carried out by
the antitrust authorities in certain countries which, among other things, have
in the past and could in the future result into sanctions, as well as lead to
claims by customers and others. In addition, the regulatory framework, in the
jurisdictions in which the Group operates, is evolving towards a supervisory
approach more focused on the opening of sanctioning proceedings while some
regulators are focusing their attention on consumer protection and behavioral risk.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;line-height:115%;">In Spain and in other jurisdictions
where the Group operates, legal and regulatory actions and proceedings against
financial institutions, prompted in part by certain judgments in favor of
consumers handed down by national and supranational courts, have increased
significantly in recent years and this trend could continue in the future. The legal
and regulatory actions and proceedings faced by other financial institutions in
relation to these and other matters, especially if such actions or proceedings
result in favorable resolutions for the consumer, could also adversely affect
the Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.75pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">In relation to consumer mortgage loan contracts linked to the
index known as IRPH (average rate of mortgage loans over three years for free
home purchase), considered &#8220;official interest rate &#8221;By the mortgage
transparency regulations, calculated by the Bank of Spain and published in the
Official State Gazette, on 14 December 2017 the Supreme Court issued judgment
669/2017 in which it confirmed that it was not possible to determine the lack
of transparency of the interest rate of the loan by the mere fact of its
reference to one or the other official index, nor therefore its abuse according
to Directive 93/13. In a separate legal proceeding, albeit concerning the same
clause, the matter was referred to the Court of Justice of the European Union,
raising a preliminary question in which the application of the aforementioned
IRPH index and the decision of the Supreme Court on the matter was questioned
again. On March 3, 2020, the Court of Justice of the European Union resolved
the referred question for a preliminary ruling.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.75pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">In that resolution, the Court of Justice of the European Union
concludes that the main elements relating to the calculation of the saving
banks IRPH index used by the bank to which the question referred (Bankia, SA)
refers were contained in Circular 8/1990 of the Banco de Espa&#241;a published in the
Official State Gazette allowed consumers to understand the calculation of said
index. Additionally, the Court of Justice of the European Union indicates that
the national court must verify whether the entity to which the resolution
refers complied with the information obligations established by national
regulations. In the event that the entity had not complied with the applicable
transparency regulations, the resolution does not declare the contract null and
void but rather establishes that the national court could replace the IRPH
index applied in the case prosecuted for a substitute index. The resolution
sets forth that, in the absence of an agreement to the contrary of the parties
to the contract, the referred substitute index could be the IRPH index for
credit entities in Spain (as established in the fifteenth additional provision
of Law 14/2013, of September 27, 2013). BBVA considers that the ruling of the
Court of Justice of the European Union should not have significant effects on
the Group's business, financial situation or results of operations.</font></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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">Additionally, there are also claims before the Spanish courts that
question the application of certain interest rates and other mandatory rules to
certain revolving credit card agreements. On March 4, 2020, the Supreme Court
has issued judgment (number 149/2020) in which it confirms the nullity of a
revolving credit agreement through the use of a card signed by another entity
(Wizink Bank) as the remunerative interest is considered usurious. In said
judgment, the Supreme Court recognizes that the reference to the &#8220;normal
interest on money&#8221; to be used for this product must be the average interest
applicable to credit card and revolving credit operations published in the
statistics of the Bank of Spain and that it is somewhat higher than 20% per
year. In the specific case, the Supreme Court has considered a rate of 26.82%
as usurious compared to 20% of the average interest. The Supreme Court
concludes that for an interest rate to be usurious, must be &quot;manifestly
disproportionate to the circumstances of the case&quot;, so that the sentence
limits its effects to the case analyzed, and the marketing by financial
entities of this product must be analyzed, case by case. BBVA considers that
the ruling of the Supreme Court should not have significant effects on the
Group's business, financial situation or results of operations.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;line-height:115%;">All of the above may result in a
significant increase in operating and compliance costs or even a reduction of
revenues, and it is possible that an adverse outcome in any proceedings
(depending on the amount thereof, the penalties imposed or the procedural or
management costs for the Group) could damage the Group's reputation, generate a
knock-on effect or otherwise adversely affect the Group.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;line-height:115%;">It is difficult to predict the
outcome of legal and regulatory actions and proceedings, both those to which
the Group is currently exposed and those that may arise in the future,
including actions and proceedings relating to former Group subsidiaries or in
respect of which the Group may have indemnification obligations, but such
outcome could be significantly adverse to the Group. In addition, a decision in
any matter, whether against the Group or against another credit entity facing
similar claims as those faced by the Group, could give rise to other claims
against the Group. In addition, these actions and proceedings attract resources
from the Group and may occupy a great deal of attention on part of the Group's
management and employees.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020, the Group had &#8364;738
million in provisions for the proceedings it is facing (included in the line
&quot;Provisions for litigation and pending tax cases&quot; in the consolidated
balance sheet) (see Note 23). However, the uncertainty arising from these
proceedings (including those for which no provisions have been made, either
because it is not possible to estimate them or for other reasons) makes it
impossible to guarantee that the possible losses arising from these proceedings
will not exceed, where applicable, the amounts that the Group currently has
provisioned and, therefore, could affect the Group's consolidated results in a
given period.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;line-height:115%;">Legal and regulatory actions and
proceedings currently faced by the Group or to which it may become subject in
the future or otherwise affected by, individually or in the aggregate, if
resolved in whole or in part adversely to the Group&#180;s interests, could have a
material adverse effect on the Group&#8217;s business, financial condition and
results of operations.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:71.7pt;margin-right:0cm;margin-top:10.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-AU style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=black face="Times New Roman" lang=EN-AU 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-AU style="font-size:8.0pt;line-height:115%;">Spanish judicial authorities are
investigating the activities of Centro Exclusivo de Negocios y Transacciones,
S.L. (&#8220;Cenyt&#8221;). Such investigation includes the provision of services by Cenyt
to BBVA. On July 29, 2019, BBVA was named as an investigated party
(investigado) in a criminal judicial investigation (Preliminary Proceeding No.
96/2017 &#8211; Piece No. 9, Central Investigating Court No. 6 of the National High
Court) for alleged facts which could represent the crimes of bribery,
revelation of secrets and corruption. As of the date of the approval of these
consolidated Financial Statements, no formal accusation against BBVA has been
made. Certain current and former officers and employees of the BBVA Group, as
well as former directors, have also been named as investigated parties in
connection with this investigation. BBVA has been and continues to be
proactively collaborating with the Spanish judicial authorities, including
sharing with the courts information from its on-going forensic investigation
regarding its relationship with Cenyt. BBVA has also testified before the judge
and prosecutors at the request of the Central Investigating Court No. 6 of the
National High Court. On February 3, 2020, BBVA was notified by the Central
Investigating Court No. 6 of the National High Court of the order lifting the
secrecy of the proceedings. This criminal judicial proceeding is at a
preliminary stage. Therefore, it is not possible at this time to predict the
scope or duration of such proceeding or any related proceeding or its or their
possible outcomes or implications for the Group, including any fines, damages
or harm to the Group&#8217;s reputation caused thereby.</font></font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;">&nbsp;</h2>
<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-23</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">6.2&#160;&#160;&#160; Credit
risk</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;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:8.0pt;line-height:115%;">The banks are a key
part of the solution to the COVID-19 crisis. Specifically, BBVA, has activated
support initiatives with a focus on the most affected customers, regardless of
whether they are companies, SMEs, self-employed workers or private individuals.
The following are just some of those initiatives:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:8.0pt;line-height:115%;">In Spain, credit facilities for
SMEs and self-employed workers, and credit guaranteed by the Instituto de
Cr&#233;dito Oficial (&#8220;ICO&#8221;), deferment of pension payments and unemployment
benefits, credit guaranteed by the ICO for rent payment and deferment of
insurance and credit cards payments, and repayment deferments periods on loans
to consumers and companies.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:8.0pt;line-height:115%;">In the United States, flexibility
in the repayment of loans for small businesses and for consumer finance, and
the removal of certain fees for individual customers;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:8.0pt;line-height:115%;">In Mexico, a repayment deferment on
various credit products, a fixed payment plan to reduce monthly credit card
charges, interruption of point of sale fees to support retailers with lower
turnover and certain plans to support larger corporate customers;</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:8.0pt;line-height:115%;">In Turkey, delay of loan
repayments, interests and amortizations.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:2.0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-1.0cm;"><font color=windowtext face=Symbol style="border:none;"><font color=windowtext face=Symbol lang=ES-TRAD style="font-size:8.0pt;line-height:115%;">&#183;</font><font color=windowtext face="Times New Roman" lang=ES-TRAD style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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:8.0pt;line-height:115%;">In South America, some countries
such as Argentina have provided a credit facility for micro-SMEs to help them
purchase remote work equipment and credit facilities for payroll payments;
Colombia has frozen repayments for up to six months on loans to individuals and
companies, and is offering a special working capital facility for companies;
and in Peru, various initiatives have been approved to support SMEs, and recent
credit facilities and credit cards have been approved in order to support
consumers.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;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:8.0pt;line-height:115%;">The amount of deferment
of payments (existing and completed) and the financing&#160; granted with public
guarantees given at a Group level, as well as the number of customers of both
measures, as of June 30, 2020 are as follows:</font></font><a name="XBRL_TS_8f720a64fde744749d5104a36_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_006.2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">COVID-19
  support programs&#160; (Millions of Euros) </font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap valign=bottom width=11% style="height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 width=44% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deferment of payments</font></b></font></p>
  </td>
 <td colspan=2 width=23% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financing with </font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">public guarantees</font></b></font></p>
  </td>
 <td width=11% style="height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:45.0pt;">
  <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Existing </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:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Completed</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:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total </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:45.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Number of</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&#160;customers&nbsp;</font></b></font></p>
  </td>
 <td width=11% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total </font></b></font></p>
  </td>
 <td width=12% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Number of</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">customers</font></b></font></p>
  </td>
 <td width=11% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total </font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">deferment of payments</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&#160;and guarantees</font></b></font></p>
  </td>
 <td width=11% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(%) credit investment</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Group </font></b></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:0cm;margin-bottom:.0001pt;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;">29,668&#160; </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:0cm;margin-bottom:.0001pt;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;">6,590&#160; </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:0cm;margin-bottom:.0001pt;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;">36,259&#160; </font></font></p>
  </td>
 <td nowrap width=11% style="border:none;height:12.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,138,894</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:0cm;margin-bottom:.0001pt;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;">13,791&#160; </font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.75pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">196,186</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:0cm;margin-bottom:.0001pt;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;">50,050&#160; </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:0cm;margin-bottom:.0001pt;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;">11.9%</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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_e50b7b626d0e4636853a18936"></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%;">The amount of deferment of payments (existing and completed) and
financing granted with public guarantees given at a Group level, broken down by
segment, as of June 30, 2020 are as follows:</font></font><a name="XBRL_TS_e50b7b626d0e4636853a18936_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_006.2bis_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">COVID-19
  support programs&#160; (Millions of Euros) </font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=38% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deferment of payments</font></b></font></p>
  </td>
 <td rowspan=2 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financing with</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&#160;public guarantees</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=38% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Existing </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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Completed</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=38% style="background:#5AC4C4;border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Group</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">29,668</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,590</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">36,259</font></b></font></p>
  </td>
 <td nowrap width=20% style="background:#5AC4C4;border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13,791</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=38% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Customers</font></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:0cm;margin-bottom:.0001pt;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;">17,975</font></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:0cm;margin-bottom:.0001pt;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;">3,563</font></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:0cm;margin-bottom:.0001pt;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;">21,538</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">863</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=38% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Mortgages</font></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:0cm;margin-bottom:.0001pt;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;">9,318</font></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:0cm;margin-bottom:.0001pt;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;">2,152</font></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:0cm;margin-bottom:.0001pt;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;">11,470</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=38% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">SMEs</font></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:0cm;margin-bottom:.0001pt;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;">6,397</font></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:0cm;margin-bottom:.0001pt;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;">792</font></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:0cm;margin-bottom:.0001pt;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;">7,189</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,723</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=38% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-financial
  corporations</font></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:0cm;margin-bottom:.0001pt;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;">5,006</font></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:0cm;margin-bottom:.0001pt;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;">2,221</font></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:0cm;margin-bottom:.0001pt;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;">7,227</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,126</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=38% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other</font></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:0cm;margin-bottom:.0001pt;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;">290</font></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:0cm;margin-bottom:.0001pt;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;">14</font></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:0cm;margin-bottom:.0001pt;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;">304</font></font></p>
  </td>
 <td nowrap width=20% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">79</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_0105773a8cd94e01a407c0653"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-24</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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</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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;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="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The adoption of deferment of payment measures for bank
customers in the different countries in which the Group operates (such as those
included in Royal Decree Law 11/2020, as well as in the CECA-AEB agreement to
which BBVA has adhered to in Spain) results in the temporary suspension, total
or partial, of the contractual obligations with a deferral for a specific
period of time. According to IFRS 9, when a deferment of payment does not
generate interest collection rights, a temporary loss of value is triggered for
the operation, which is calculated as the difference in current value of the
original and modified cash flows, both discounted at the effective interest
rate of the original operation. The difference is recognized at the original
time in the income statement under the heading &#8220;Impairment or (reversal) of
impairment on financial assets not measured at fair value through profit or
loss or net gains by modification&#8221; and its counterpart is a correction of the
asset value of the loans. From that point on, said correction accrues as net
interest income at the original effective interest rate within the period of
the deferment of payment. Thus, at the end of the moratorium period, the impact
on net attributed profit is neutral.</font></font></p>

<p style="border:none;margin:0cm;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="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The quantitative information on refinancing and
restructuring operations is presented in the Appendix I &#8220;Quantitative
information refinancing and restructuring operations and other requirement
under Bank of Spain Circular 6/2012&#8221;.</font></font></p>

<h3 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;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">6.2.1&#160;&#160;&#160; Measurement
of Expected Credit Loss (ECL)</font></b></font></h3>

<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:8.0pt;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), all based on the information
that is available at a certain time and that is reasonable and bearable
regarding future economic conditions.</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:8.0pt;line-height:115%;">Therefore the recognition and measurement of expected credit loss
(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:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;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:8.0pt;line-height:115%;">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:10.0pt;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%;">Expected credit loss (ECL) 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, also 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:10.0pt;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:8.0pt;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:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Step 3: Select the best conditional
forecasting model from the set of candidates defined in Step 2, based on their
forecasting capacity.</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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">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:10.0pt;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%;">The forward looking component is added to the calculation of the
ECL through the introduction of macroeconomic scenarios as an input. Inputs
highly depend on the particular combination of region and portfolio, so inputs
are adapted to available data regarding each of them.</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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Based on economic theory and analysis, the main indicators most
directly relevant for explaining and forecasting the selected risk parameters
(PD, LGD and EAD) are:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The net income of families,
corporates or public administrations.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The outstanding payment amounts on
the principal and interest on the financial instruments.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The value of the collateral assets
pledged to the loan.</font></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-25</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;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%;">BBVA Group approximates these variables by using a proxy indicator
from the set included in the macroeconomic scenarios provided by BBVA Research
department.</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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Only a single specific indicator for each of the three categories
can be used and only one of the following core macroeconomic indicators should
be chosen as first option:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The real GDP growth for the purpose
of conditional forecasting can be seen as the only &#8220;factor&#8221; required for
capturing the influence of all potentially relevant macro-financial scenarios
on internal PDs and LGD.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The most representative short term
interest rate (typically the policy rate or the most liquid sovereign yield or
interbank rate) or exchange rates expressed in real terms.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">A comprehensive and representative
index of the price of real estate properties expressed in real terms in the
case of mortgage loans and a representative and real term index of the price of
the relevant commodity for corporate loan portfolios concentrated in exporters
or producers of such commodity.</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:8.0pt;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>

<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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Multiple scenario approach</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:8.0pt;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:10.0pt;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%;">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 Group, 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:10.0pt;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%;">Additionally, the BBVA Research teams produce 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:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;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:8.0pt;line-height:115%;">Alternative macroeconomic scenarios</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">BBVA Research tracks, analyzes and
forecasts the economic environment to provide a consistent forward looking
assessment about the most likely scenario and risks that impact BBVA&#8217;s
footprint. To build economic scenarios, BBVA Research combines official data,
econometric techniques and expert judgment.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The non-linearity overlay is
defined as the ratio between the probability-weighted ECL under the alternative
scenarios and the baseline scenario, where the scenario&#8217;s probability depends
on the distance of the alternative scenarios from the base one.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">BBVA Group establishes equally
weighted scenarios, being the probability 34% for the baseline scenario, 33%
for the worst alternative scenario and 33% for the best alternative scenario.</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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">BBVA Group considers three prospective macroeconomic scenarios
that it updates periodically (currently quarterly). BBVA Research forecasts a
maximum of five years for macroeconomic variables.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The approach in BBVA consists of 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>


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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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-26</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


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<p style="border:none;margin:0cm;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:8.0pt;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></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">Macroeconomic scenarios as a result of the COVID-19
pandemic</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The COVID-19 pandemic has generated a macroeconomic uncertainty
situation with a direct impact on credit risk of the entities, particularly, on
the expected credit losses under IFRS9. Even if the situation is unclear and of
an unforeseeable time length, the expectation is that this situation will
provoke a severe recession followed by an economic recovery, which will not
achieve the pre-crisis GDP levels in the short-term, supported by the measures
issued by governments and monetary authorities.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">This situation has allowed the accounting authorities and the
banking supervisors to adopt measures in order to mitigate the impacts that
this crisis could imply on the calculation of expected credit losses under
IFRS9 as well as on solvency, urging:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:17.85pt;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:8.0pt;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;
&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:115%;">the entities to mitigate the
potential procyclicality of the accounting regulation,</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:17.85pt;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:8.0pt;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;
&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:115%;">the governments to adopt measures
to avoid the effects of impairment,</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:17.85pt;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:8.0pt;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;
&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:115%;">the entities to develop managerial
measures as the design of specific products adapted to the situation which
could occur during this crisis.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">Almost all accounting and prudential authorities have coordinately
issued recommendations or measures within the COVID-19 crisis framework
regarding the estimation of the expected losses under IFRS9.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The common denominator of all of these recommendations is that,
given the difficulty to elaborate reliable macroeconomic forecasts, the
transitory term of the economic shock and the need to incorporate the effect of
the mitigating measures issued by the governments, a review the automatic
application of the models in order to balance them and increase the weight of
the long-term macroeconomic forecasts in the calculation of the expected losses
is needed. As a result, the expected results over the lifetime of the
transactions will have more weight than the short-term macroeconomic impact.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">In this respect, the BBVA Group has taken into account those
recommendations in the calculation of the expected credit losses under IFRS 9,
considering that the economic situation caused by the COVID-19 pandemic is
transitory and will be followed by a recovery, even if there is uncertainty
over the level and the time period of such uncertainty. As a consequence,
different scenarios have been taken into consideration in the calculation of
expected losses, registering the model management believes suits best the
current economic situation and the combined recommendations issued by the
authorities. In addition to the outcome of the calculation of the scenarios,
individual analysis of exposures which could be most affected by the
circumstances caused by the COVID-19, have been taken into account.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The estimate for the next five years of the Gross Domestic Product
(GDP), of the variation in the unemployment rate and of the House Price Index
(HPI), for the most relevant countries where it represents a significant
factor, is determined by BBVA Research and it has been used at the time of the
calculation of the expected credit loss as of June 30, 2020:</font></font><a name="XBRL_TS_0105773a8cd94e01a407c0653_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_INDICES_001jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=11 nowrap valign=bottom width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Estimate of
  GDP, unemployment rate and HPR for the main geographies</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=2 nowrap valign=bottom width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 nowrap width=29% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Spain</font></b></font></p>
  </td>
 <td colspan=3 nowrap width=27% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Mexico</font></b></font></p>
  </td>
 <td colspan=3 nowrap width=27% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">The United States</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=2 width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Date</font></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">GDP</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Unemployment</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">HPR</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">GDP</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Unemployment</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">HPR</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">GDP</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Unemployment</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">HPR</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=2 nowrap valign=bottom width=17% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2020</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:0cm;margin-bottom:.0001pt;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;">(11.54%)</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:0cm;margin-bottom:.0001pt;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;">20.49%</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:0cm;margin-bottom:.0001pt;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;">(4.08%)</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:0cm;margin-bottom:.0001pt;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;">(9.97%)</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:0cm;margin-bottom:.0001pt;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;">4.59%</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:0cm;margin-bottom:.0001pt;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;">2.02%</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:0cm;margin-bottom:.0001pt;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;">(4.40%)</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:0cm;margin-bottom:.0001pt;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;">7.82%</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:0cm;margin-bottom:.0001pt;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;">(0.33%)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=2 nowrap valign=bottom width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2021</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:0cm;margin-bottom:.0001pt;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;">7.53%</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:0cm;margin-bottom:.0001pt;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;">17.33%</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:0cm;margin-bottom:.0001pt;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;">(5.24%)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.08%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.45%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1.53%)</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:0cm;margin-bottom:.0001pt;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;">3.58%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5.02%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(0.39%)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=2 nowrap valign=bottom width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2022</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:0cm;margin-bottom:.0001pt;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;">2.94%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">15.68%</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:0cm;margin-bottom:.0001pt;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;">6.28%</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:0cm;margin-bottom:.0001pt;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;">4.18%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.03%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">0.09%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2.36%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.24%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1.86%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=2 nowrap valign=bottom width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2023</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:0cm;margin-bottom:.0001pt;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;">2.09%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">14.42%</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:0cm;margin-bottom:.0001pt;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;">5.01%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1.49%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.06%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(0.02%)</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2.08%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.09%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2.59%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=2 nowrap valign=bottom width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2024</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:0cm;margin-bottom:.0001pt;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;">2.07%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13.25%</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:0cm;margin-bottom:.0001pt;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;">3.65%</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:0cm;margin-bottom:.0001pt;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;">1.53%</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:0cm;margin-bottom:.0001pt;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;">4.05%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">0.67%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2.09%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.10%</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:0cm;margin-bottom:.0001pt;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;">2.14%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td colspan=2 nowrap valign=bottom width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2025</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:0cm;margin-bottom:.0001pt;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;">2.00%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12.11%</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:0cm;margin-bottom:.0001pt;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;">3.11%</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:0cm;margin-bottom:.0001pt;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;">1.46%</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:0cm;margin-bottom:.0001pt;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;">4.02%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">0.95%</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:0cm;margin-bottom:.0001pt;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;">2.11%</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:0cm;margin-bottom:.0001pt;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;">4.10%</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:0cm;margin-bottom:.0001pt;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;">1.55%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 nowrap width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Peru</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Argentina</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Colombia</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Turkey</font></b></font></p>
  </td>
 <td width=9% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 <td>&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td width=8% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Date</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">GDP</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Unemployment</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">GDP</font></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Unemployment</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">GDP</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Unemployment</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">GDP</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Unemployment</font></b></font></p>
  </td>
 <td width=9% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 <td>&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=8% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2020</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:0cm;margin-bottom:.0001pt;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;">(14.97%)</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:0cm;margin-bottom:.0001pt;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;">30.07%</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:0cm;margin-bottom:.0001pt;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;">(5.94%)</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:0cm;margin-bottom:.0001pt;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;">14.23%</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:0cm;margin-bottom:.0001pt;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;">(3.07%)</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:0cm;margin-bottom:.0001pt;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;">16.95%</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:0cm;margin-bottom:.0001pt;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;">0.15%</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:0cm;margin-bottom:.0001pt;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;">14.03%</font></font></p>
  </td>
 <td width=9% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 <td>&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2021</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8.86%</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:0cm;margin-bottom:.0001pt;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;">13.10%</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:0cm;margin-bottom:.0001pt;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;">1.54%</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:0cm;margin-bottom:.0001pt;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;">11.53%</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:0cm;margin-bottom:.0001pt;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;">3.98%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">14.13%</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:0cm;margin-bottom:.0001pt;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;">5.04%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13.43%</font></font></p>
  </td>
 <td width=9% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 <td>&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2022</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.53%</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:0cm;margin-bottom:.0001pt;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;">11.48%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2.02%</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:0cm;margin-bottom:.0001pt;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;">10.23%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2.64%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11.81%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.53%</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:0cm;margin-bottom:.0001pt;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;">10.78%</font></font></p>
  </td>
 <td width=9% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 <td>&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2023</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.68%</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:0cm;margin-bottom:.0001pt;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;">11.39%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1.96%</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:0cm;margin-bottom:.0001pt;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;">9.70%</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:0cm;margin-bottom:.0001pt;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;">3.32%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11.63%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.52%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10.38%</font></font></p>
  </td>
 <td width=9% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 <td>&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2024</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.63%</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:0cm;margin-bottom:.0001pt;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;">11.30%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1.97%</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:0cm;margin-bottom:.0001pt;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;">8.75%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.47%</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:0cm;margin-bottom:.0001pt;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;">11.42%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4.51%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10.23%</font></font></p>
  </td>
 <td width=9% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 <td>&nbsp;</td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">2025</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.21%</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:0cm;margin-bottom:.0001pt;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;">11.20%</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:0cm;margin-bottom:.0001pt;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;">1.99%</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:0cm;margin-bottom:.0001pt;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;">7.78%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.70%</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:0cm;margin-bottom:.0001pt;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;">11.22%</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:0cm;margin-bottom:.0001pt;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;">4.50%</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10.03%</font></font></p>
  </td>
 <td width=9% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 <td>&nbsp;</td>
 </tr>
<tr height=0>
  <td width=8% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=10% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=10% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-27</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_42831663d4d2494c900f4487e"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:9.0pt;">6.2.2&#160;&#160;&#160; Credit risk exposure</font></b></font></h3>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">In accordance with IFRS 7
&#8220;Financial Instruments: Disclosures&#8221;, the BBVA Group&#8217;s credit risk exposure by
headings in the balance sheets as of June 30, 2020 and December 31, 2019 is
provided below. It does not consider the loss allowances and the availability of
collateral or other credit enhancements to enable compliance with payment
obligations. The details are broken down by the nature of the financial
instruments and counterparties:</font></font><a name="XBRL_TS_42831663d4d2494c900f4487e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_EXPjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Maximum
  credit risk exposure (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 1</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 2</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets held for trading </font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">70,093</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt securities</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9</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:0cm;margin-bottom:.0001pt;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;">26,640</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9</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:0cm;margin-bottom:.0001pt;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;">5,862</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9</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:0cm;margin-bottom:.0001pt;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;">37,591</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Non-trading financial
  assets mandatorily at fair value through profit or loss</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">4,998</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">690</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt securities</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">250</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">4,058</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets designated at fair value through profit or loss</font></b></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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">11</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:0cm;margin-bottom:.0001pt;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;">1,098</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Derivatives
  (trading and hedging) </font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">51,649</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets at fair value through other comprehensive income</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">70,207</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt securities</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">68,385</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:0cm;margin-bottom:.0001pt;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;">68,079</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:0cm;margin-bottom:.0001pt;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;">5</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:0cm;margin-bottom:.0001pt;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;">301</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12</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:0cm;margin-bottom:.0001pt;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;">1,789</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12</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:0cm;margin-bottom:.0001pt;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;">33</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:0cm;margin-bottom:.0001pt;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;">33</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets at amortized cost</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">463,887</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:0cm;margin-bottom:.0001pt;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;">413,517</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:0cm;margin-bottom:.0001pt;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;">34,686</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:0cm;margin-bottom:.0001pt;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;">15,684</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to central banks</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">4,792</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:0cm;margin-bottom:.0001pt;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;">4,792</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">14,859</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:0cm;margin-bottom:.0001pt;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;">14,822</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:0cm;margin-bottom:.0001pt;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;">32</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:0cm;margin-bottom:.0001pt;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;">6</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to customers</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">400,764</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:0cm;margin-bottom:.0001pt;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;">350,558</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:0cm;margin-bottom:.0001pt;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;">34,568</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:0cm;margin-bottom:.0001pt;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;">15,637</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt securities</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">43,473</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:0cm;margin-bottom:.0001pt;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;">43,346</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:0cm;margin-bottom:.0001pt;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;">86</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:0cm;margin-bottom:.0001pt;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;">41</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total
  financial assets risk</font></b></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">661,932</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total loan
  commitments and financial guarantees</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">184,046</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:0cm;margin-bottom:.0001pt;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;">171,130</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:0cm;margin-bottom:.0001pt;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;">11,987</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:0cm;margin-bottom:.0001pt;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;">929</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loan
  commitments given</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30</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:0cm;margin-bottom:.0001pt;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;">134,494</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:0cm;margin-bottom:.0001pt;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;">126,310</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:0cm;margin-bottom:.0001pt;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;">7,957</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:0cm;margin-bottom:.0001pt;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;">227</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  guarantees given</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30</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:0cm;margin-bottom:.0001pt;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;">10,989</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:0cm;margin-bottom:.0001pt;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;">9,709</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:0cm;margin-bottom:.0001pt;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;">1,020</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:0cm;margin-bottom:.0001pt;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;">261</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other
  commitments given</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30</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:0cm;margin-bottom:.0001pt;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;">38,563</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:0cm;margin-bottom:.0001pt;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;">35,111</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:0cm;margin-bottom:.0001pt;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;">3,010</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:0cm;margin-bottom:.0001pt;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;">441</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="background:#5AC4C4;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total maximum
  credit exposure</font></b></font></p>
  </td>
 <td width=12% style="background:#5AC4C4;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#5AC4C4;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">845,978</font></b></font></p>
  </td>
 <td width=11% style="background:#5AC4C4;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#5AC4C4;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#5AC4C4;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
</table></div>



<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-AU 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_7.2_001EXPjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Maximum
  credit risk exposure (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 1</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 2</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets held for trading </font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">69,503</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt securities</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9</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:0cm;margin-bottom:.0001pt;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;">26,309</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9</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:0cm;margin-bottom:.0001pt;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;">8,892</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9</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:0cm;margin-bottom:.0001pt;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;">34,303</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Non-trading financial
  assets mandatorily at fair value through profit or loss</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">5,557</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">1,120</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt securities</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">110</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">4,327</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets designated at fair value through profit or loss</font></b></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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">11</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:0cm;margin-bottom:.0001pt;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;">1,214</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Derivatives
  (trading and hedging) </font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">39,462</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.75pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets at fair value through other comprehensive income</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">61,293</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt securities</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">58,841</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:0cm;margin-bottom:.0001pt;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;">58,590</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:0cm;margin-bottom:.0001pt;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;">250</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:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12</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:0cm;margin-bottom:.0001pt;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;">2,420</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12</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:0cm;margin-bottom:.0001pt;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;">33</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:0cm;margin-bottom:.0001pt;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;">33</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets at amortized cost</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">451,640</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:0cm;margin-bottom:.0001pt;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;">402,024</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:0cm;margin-bottom:.0001pt;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;">33,624</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:0cm;margin-bottom:.0001pt;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;">15,993</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and advances to central banks</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">4,285</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:0cm;margin-bottom:.0001pt;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;">4,285</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">13,664</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:0cm;margin-bottom:.0001pt;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;">13,500</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:0cm;margin-bottom:.0001pt;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;">158</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:0cm;margin-bottom:.0001pt;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;">6</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to customers</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">394,763</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:0cm;margin-bottom:.0001pt;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;">345,449</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:0cm;margin-bottom:.0001pt;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;">33,360</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:0cm;margin-bottom:.0001pt;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;">15,954</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt securities</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">38,930</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:0cm;margin-bottom:.0001pt;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;">38,790</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:0cm;margin-bottom:.0001pt;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;">106</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:0cm;margin-bottom:.0001pt;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;">33</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total
  financial assets risk</font></b></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">628,670</font></b></font></p>
  </td>
 <td width=11% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total loan commitments
  and financial guarantees</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;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;">181,116</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:0cm;margin-bottom:.0001pt;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;">169,663</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:0cm;margin-bottom:.0001pt;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;">10,452</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:0cm;margin-bottom:.0001pt;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;">1,001</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loan
  commitments given</font></font></p>
  </td>
 <td width=12% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30</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:0cm;margin-bottom:.0001pt;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;">130,923</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:0cm;margin-bottom:.0001pt;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;">123,707</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:0cm;margin-bottom:.0001pt;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;">6,945</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:0cm;margin-bottom:.0001pt;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;">270</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  guarantees given</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30</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:0cm;margin-bottom:.0001pt;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;">10,984</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:0cm;margin-bottom:.0001pt;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;">9,804</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:0cm;margin-bottom:.0001pt;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;">955</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:0cm;margin-bottom:.0001pt;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;">224</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other
  commitments given</font></font></p>
  </td>
 <td width=12% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30</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:0cm;margin-bottom:.0001pt;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;">39,209</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:0cm;margin-bottom:.0001pt;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;">36,151</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:0cm;margin-bottom:.0001pt;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;">2,552</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:0cm;margin-bottom:.0001pt;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;">506</font></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=44% style="background:#5AC4C4;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total maximum
  credit exposure</font></b></font></p>
  </td>
 <td width=12% style="background:#5AC4C4;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#5AC4C4;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">809,786</font></b></font></p>
  </td>
 <td width=11% style="background:#5AC4C4;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#5AC4C4;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="background:#5AC4C4;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
</table></div>




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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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-28</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;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_21589602bca64e20a8e055332"></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%;">The breakdown by geographical location and Stage of the maximum
credit risk exposure, the accumulated allowances recorded and the carrying
amount of the loans and advances to customers at amortized cost as of June 30,
2020 and December 31, 2019 is shown below:</font></font><a name="XBRL_TS_21589602bca64e20a8e055332_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_PROV_AREASjun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=13 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">June 2020
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 width=28% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Gross exposure</font></b></font></p>
  </td>
 <td colspan=4 width=28% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Accumulated allowances</font></b></font></p>
  </td>
 <td colspan=4 width=28% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Carrying amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Total</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 1</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 2</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 3</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Total</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 1</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 2</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 3</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Total</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 1</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 2</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Spain (*)</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">206,649</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">184,249</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">14,077</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,323</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(5,734)</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(824)</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(785)</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(4,125)</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">200,915</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">183,425</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13,292</font></font></p>
  </td>
 <td width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,198</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">The United
  States</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">61,572</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">52,860</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,939</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">773</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,028)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(317)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(471)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(240)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">60,544</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">52,542</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,468</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">533</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Mexico</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">51,414</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">45,386</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,833</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,194</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,972)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(761)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(459)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(752)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">49,442</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">44,626</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,374</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">442</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Turkey (**)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">44,061</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">36,113</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,417</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,532</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,865)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(215)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(600)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,050)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">41,196</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">35,898</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,817</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,482</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">South America
  (***)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">36,202</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">31,099</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,298</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,804</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,944)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(390)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(422)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,131)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">34,258</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30,709</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,876</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">672</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Others </font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">866</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">851</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(9)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(7)</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">857</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">850</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4</font></font></p>
  </td>
 <td width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=16% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total (****)</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">400,764</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">350,558</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">34,568</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">15,637</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(13,552)</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,508)</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,736)</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(8,307)</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">387,212</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">348,050</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">31,832</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,330</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;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_403efd6e8cf14bacbdc7df335"></a><a name="XBRL_FS_f6d11a07b93d47d38763c66fc"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(*)&#160;&#160;&#160;&#160; Spain
includes all the countries where BBVA, S.A. operates.</font></font><a name="XBRL_FS_f6d11a07b93d47d38763c66fc_bclEnd"></a></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:0cm;"><a name="XBRL_FS_38505ea691874defbef3f2b0c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(**)&#160;&#160;&#160; Turkey includes all the countries in which Garanti BBVA
operates.</font></font><a name="XBRL_FS_38505ea691874defbef3f2b0c_bclEnd"></a></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:0cm;"><a name="XBRL_FS_5ec87715f0034fb29898cdf0b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(***)&#160;&#160; In South America, BBVA Group operates in Argentina, Chile,
Colombia, Paraguay, Peru, Uruguay and Venezuela.</font></font><a name="XBRL_FS_5ec87715f0034fb29898cdf0b_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_FS_266130938b484e64a29727576"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(****)&#160; The
amount of the accumulated impairment includes the provisions recorded for
credit risk over the remaining expected lifetime of purchased financial
instruments. Those provisions were determined at the moment of the Purchase
Price Allocation (PPA) and were originated mainly in the acquisition of
Catalunya Banc S.A. (as of June 30, 2020, the remaining balance was &#8364;399
million). These valuation adjustments are recognized in the consolidated income
statement during the residual life of the instrument or applied as allowances
in the value of the financial instrument when the losses materialize.</font></font><a name="XBRL_FS_266130938b484e64a29727576_bclEnd"></a><a name="XBRL_TS_403efd6e8cf14bacbdc7df335_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_PROV_AREAS001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=13 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">December 2019
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=15% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Gross exposure</font></b></font></p>
  </td>
 <td colspan=4 width=29% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Accumulated allowances</font></b></font></p>
  </td>
 <td colspan=4 width=28% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Carrying amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=15% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Total</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 1</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 2</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:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 3</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Total</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 1</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 2</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 3</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Total</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 1</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 2</font></b></font></p>
  </td>
 <td width=7% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">Stage 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=15% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Spain (*)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">197,058</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">173,843</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">14,599</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,616</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:0cm;margin-bottom:.0001pt;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;">(5,311)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(712)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(661)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(3,939)</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">191,747</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">173,131</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13,939</font></font></p>
  </td>
 <td nowrap width=7% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,677</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">The United
  States</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">57,387</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">49,744</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,011</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">(688)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(165)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(342)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(182)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">56,699</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">49,580</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,670</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">450</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Mexico</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">60,099</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">54,748</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,873</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,478</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,013)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(697)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(404)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(912)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">58,087</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">54,052</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,469</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">566</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Turkey (**)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">43,113</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">34,536</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,127</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,451</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,613)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(189)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(450)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,974)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">40,500</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">34,347</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,677</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,477</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">South America
  (***)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">36,265</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">31,754</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,742</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,769</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:0cm;margin-bottom:.0001pt;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;">(1,769)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(366)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(323)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,079)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">34,497</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">31,388</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,419</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">690</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=15% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Others </font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">839</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">824</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(8)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(6)</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">832</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">823</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6</font></font></p>
  </td>
 <td nowrap width=7% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=15% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total (****)</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">394,763</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">345,449</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">33,360</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">15,954</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(12,402)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,129)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,181)</font></b></font></p>
  </td>
 <td nowrap width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(8,093)</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">382,360</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">343,320</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">31,179</font></b></font></p>
  </td>
 <td width=7% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,861</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;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_d4317c7bfec54c63b9831d4dd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(*)&#160;&#160;&#160;&#160; Spain includes all the countries where BBVA, S.A. operates.</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:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(**)&#160;&#160;&#160; Turkey includes all the
countries in which Garanti BBVA operates.</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:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(***)&#160;&#160; In South America, BBVA
Group operates in Argentina, Chile, Colombia, Paraguay, Peru, Uruguay and
Venezuela.</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:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(****)&#160; The amount of the accumulated impairment includes the
provisions recorded for credit risk over the remaining expected lifetime of
purchased financial instruments. Those provisions were determined at the moment
of the Purchase Price Allocation (PPA) and were originated mainly in the
acquisition of Catalunya Banc S.A. (as of December 31, 2019, the remaining
balance was &#8364;433 million). These valuation adjustments are recognized in the consolidated
income statement during the residual life of the instrument or applied as allowances
in the value of the financial instrument when the losses materialize.
</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-29</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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</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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The breakdown
by counterparty and product of loans and advances, net of loss allowances, as
well as the gross carrying amount by type of product, classified in different
headings of the assets, as of June 30, 2020 and December 31, 2019 is shown
below:</font></font><a name="XBRL_TS_d4317c7bfec54c63b9831d4dd_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_014jun1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:8.25pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;height:8.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">June 2020
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td width=27% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Households</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Total</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=27% style="border:none;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">By product</font></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">On demand and
  short notice</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">37</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">164</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:0cm;margin-bottom:.0001pt;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:5.0pt;">2,126</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:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">2,844</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:0cm;margin-bottom:.0001pt;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:5.0pt;">3,048</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Credit card
  debt</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">9</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">1,555</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:0cm;margin-bottom:.0001pt;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:5.0pt;">11,717</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:0cm;margin-bottom:.0001pt;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:5.0pt;">13,283</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:0cm;margin-bottom:.0001pt;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:5.0pt;">14,486</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Commercial
  debtors</font></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&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:0cm;margin-bottom:.0001pt;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:5.0pt;">796</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">470</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:0cm;margin-bottom:.0001pt;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:5.0pt;">12,805</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:0cm;margin-bottom:.0001pt;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:5.0pt;">71</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:0cm;margin-bottom:.0001pt;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:5.0pt;">14,142</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:0cm;margin-bottom:.0001pt;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:5.0pt;">14,444</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Finance leases</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">195</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">5</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:0cm;margin-bottom:.0001pt;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:5.0pt;">7,561</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:0cm;margin-bottom:.0001pt;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:5.0pt;">351</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:0cm;margin-bottom:.0001pt;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:5.0pt;">8,113</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:0cm;margin-bottom:.0001pt;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:5.0pt;">8,474</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Reverse
  repurchase loans</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:0cm;margin-bottom:.0001pt;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:5.0pt;">430</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">2,269</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:0cm;margin-bottom:.0001pt;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:5.0pt;">887</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:0cm;margin-bottom:.0001pt;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:5.0pt;">60</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</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:0cm;margin-bottom:.0001pt;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:5.0pt;">3,647</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:0cm;margin-bottom:.0001pt;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:5.0pt;">3,656</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other term
  loans</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:0cm;margin-bottom:.0001pt;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:5.0pt;">4,311</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:0cm;margin-bottom:.0001pt;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:5.0pt;">25,930</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:0cm;margin-bottom:.0001pt;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:5.0pt;">3,793</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:0cm;margin-bottom:.0001pt;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:5.0pt;">8,518</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:0cm;margin-bottom:.0001pt;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:5.0pt;">153,588</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:0cm;margin-bottom:.0001pt;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:5.0pt;">154,750</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:0cm;margin-bottom:.0001pt;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:5.0pt;">350,890</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:0cm;margin-bottom:.0001pt;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:5.0pt;">362,342</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Advances that
  are not loans</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:0cm;margin-bottom:.0001pt;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:5.0pt;">32</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:0cm;margin-bottom:.0001pt;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:5.0pt;">377</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:0cm;margin-bottom:.0001pt;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:5.0pt;">8,812</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:0cm;margin-bottom:.0001pt;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:5.0pt;">3,489</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:0cm;margin-bottom:.0001pt;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:5.0pt;">1,437</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:0cm;margin-bottom:.0001pt;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:5.0pt;">486</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:0cm;margin-bottom:.0001pt;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:5.0pt;">14,632</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:0cm;margin-bottom:.0001pt;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:5.0pt;">14,688</font></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=27% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LOANS AND
  ADVANCES</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,773</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">27,343</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">14,875</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13,535</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">179,132</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">167,892</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">407,549</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">421,137</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">By secured loans</font></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which:
  mortgage loans collateralized by immovable property</font></i></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">953</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">300</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">30,850</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">106,609</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">138,712</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">142,457</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which: other
  collateralized loans</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">430</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">4,660</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">1,763</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">1,629</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">16,238</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">4,675</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">29,396</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">29,986</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=27% style="height:11.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">By purpose of
  the loan</font></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:11.1pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=27% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which: credit
  for consumption</font></i></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">43,048</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">43,048</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">46,148</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=27% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which:
  lending for house purchase</font></i></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">108,159</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">108,159</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">110,005</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=27% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">By subordination</font></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=27% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which:
  project finance loans</font></i></font></p>
  </td>
 <td nowrap width=10% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">12,047</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">12,047</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">12,328</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:justify;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-AU 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_7_012B_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">December 2019
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=28% style="border:none;border-bottom:solid black 1.0pt;height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Central banks</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">General governments</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Credit institutions</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Other financial corporations</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Non-financial corporations</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Households</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Total</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Gross carrying amount</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">By product</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">2,328</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">595</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">3,050</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">3,251</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">1,940</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">14,401</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:0cm;margin-bottom:.0001pt;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:5.0pt;">16,355</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">17,608</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Commercial
  debtors </font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">&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:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">230</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">15,976</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">99</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">17,276</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">17,617</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">227</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">8,091</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">387</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">8,711</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:0cm;margin-bottom:.0001pt;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:5.0pt;">9,095</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">1,817</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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">1,843</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">1,848</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">4,240</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">26,734</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">4,121</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">7,795</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">137,934</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:0cm;margin-bottom:.0001pt;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:5.0pt;">160,223</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">341,047</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:0cm;margin-bottom:.0001pt;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:5.0pt;">351,230</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">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:0cm;margin-bottom:.0001pt;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:5.0pt;">35</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">865</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">7,743</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">3,056</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">951</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">506</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:5.0pt;">13,156</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:0cm;margin-bottom:.0001pt;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:5.0pt;">13,214</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LOANS AND
  ADVANCES</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,275</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">28,816</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13,682</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11,208</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">167,246</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">176,211</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">401,438</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">413,863</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">By secured loans</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which:
  mortgage loans collateralized by immovable property</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">1,067</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">261</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">23,575</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">111,085</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">136,003</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">139,317</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">10,447</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">93</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">2,106</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">29,009</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">6,893</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">48,548</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">49,266</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">By purpose of
  the loan</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which: credit
  for consumption</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">46,356</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">46,356</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">49,474</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which:
  lending for house purchase</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">110,178</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">110,178</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">111,636</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">By subordination</font></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=28% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">Of which:
  project finance loans</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">12,259</font></i></font></p>
  </td>
 <td nowrap width=9% style="background:#E9E9E9;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">12,259</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif lang=EN-US style="font-size:5.0pt;">12,415</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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_1bdb960b8ed74313917341bd5"></a><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;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:8.0pt;line-height:115%;">The value of guarantees
received as of June 30, 2020 and December 31, 2019, is as follows:</font></font><a name="XBRL_TS_1bdb960b8ed74313917341bd5_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_004IPPJUNIO_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Guarantees
  received (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap valign=bottom width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Value of
  collateral</font></b></font></p>
  </td>
 <td width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">157,585 </font></b></font></p>
  </td>
 <td width=18% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">152,454 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  guarantees normal risks under special monitoring</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">14,983 </font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">14,623 </font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  guarantees non-performing risks</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">4,204 </font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">4,590 </font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Value of
  other guarantees</font></b></font></p>
  </td>
 <td width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">55,840 </font></b></font></p>
  </td>
 <td width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">35,464 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  guarantees normal risks under special monitoring</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">4,239 </font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">3,306 </font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which: guarantees non-performing risks</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">559 </font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">542 </font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total value of
  guarantees received</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">213,425 </font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">187,918 </font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-30</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_5c50fc3edc77467ba00c1a080"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:9.0pt;">6.2.3&#160;&#160;&#160; Impaired secured
loans </font></b></font></h3>

<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=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The breakdown of loans
and advances, within the heading &#8220;Financial assets at amortized cost&#8221;,
non-performing and accumulated impairment, as well as the gross carrying
amount, by counterparties as of June 30, 2020 and December 31, 2019, is as
follows:</font></font><a name="XBRL_TS_5c50fc3edc77467ba00c1a080_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7_054Jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.15pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:45.0pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-performing loans and advances</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accumulated impairment</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-performing loans and advances as a % of the total</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=44% style="border:none;height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Central banks</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:0cm;margin-bottom:.0001pt;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;">4,792</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">(19)</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:13.15pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=44% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">General
  governments</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:0cm;margin-bottom:.0001pt;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;">27,342</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:0cm;margin-bottom:.0001pt;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;">77</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:0cm;margin-bottom:.0001pt;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;">(83)</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:0cm;margin-bottom:.0001pt;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;">0.3%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=44% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit
  institutions</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:0cm;margin-bottom:.0001pt;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;">14,859</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:0cm;margin-bottom:.0001pt;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;">6</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:0cm;margin-bottom:.0001pt;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;">(17)</font></font></p>
  </td>
 <td nowrap width=14% style="height:13.15pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=44% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other financial
  corporations</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:0cm;margin-bottom:.0001pt;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;">13,585</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:0cm;margin-bottom:.0001pt;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;">17</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:0cm;margin-bottom:.0001pt;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;">(50)</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:0cm;margin-bottom:.0001pt;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;">0.1%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=44% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-financial
  corporations</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:0cm;margin-bottom:.0001pt;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;">185,821</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:0cm;margin-bottom:.0001pt;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;">8,190</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:0cm;margin-bottom:.0001pt;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;">(7,224)</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:0cm;margin-bottom:.0001pt;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;">4.4%</font></font></p>
  </td>
 </tr>
<tr style="height:13.15pt;">
  <td width=44% style="height:13.15pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Households</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:0cm;margin-bottom:.0001pt;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;">174,015</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:0cm;margin-bottom:.0001pt;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;">7,352</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:0cm;margin-bottom:.0001pt;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;">(6,195)</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:0cm;margin-bottom:.0001pt;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;">4.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=44% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LOANS AND
  ADVANCES</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">420,414</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">15,643</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(13,588)</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.7%</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;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU 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_7_053Jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:45.0pt;">
  <td width=44% style="border:none;border-bottom:solid black 1.0pt;height:45.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-performing loans and advances</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accumulated impairment </font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-performing loans and advances as a % of the total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=44% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Central Banks</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,285</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(9)</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">General
  governments</font></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:0cm;margin-bottom:.0001pt;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;">28,281</font></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:0cm;margin-bottom:.0001pt;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;">88</font></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:0cm;margin-bottom:.0001pt;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;">(60)</font></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:0cm;margin-bottom:.0001pt;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;">0.3%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit
  institutions</font></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:0cm;margin-bottom:.0001pt;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;">13,664</font></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:0cm;margin-bottom:.0001pt;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;">6</font></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:0cm;margin-bottom:.0001pt;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;">(15)</font></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:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other financial
  corporations</font></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:0cm;margin-bottom:.0001pt;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;">11,239</font></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:0cm;margin-bottom:.0001pt;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;">17</font></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:0cm;margin-bottom:.0001pt;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;">(31)</font></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:0cm;margin-bottom:.0001pt;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;">0.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-financial corporations</font></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:0cm;margin-bottom:.0001pt;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;">173,254</font></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:0cm;margin-bottom:.0001pt;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;">8,467</font></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:0cm;margin-bottom:.0001pt;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;">(6,465)</font></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:0cm;margin-bottom:.0001pt;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;">4.9%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=44% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Households</font></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:0cm;margin-bottom:.0001pt;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;">181,989</font></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:0cm;margin-bottom:.0001pt;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;">7,381</font></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:0cm;margin-bottom:.0001pt;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;">(5,847)</font></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:0cm;margin-bottom:.0001pt;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;">4.1%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=44% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LOANS AND
  ADVANCES</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">412,711</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">15,959</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(12,427)</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.9%</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:avoid;text-align:justify;"><a name="XBRL_TS_a6e3a675d37d43b6ae0426cbf"></a><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The changes during the six months ended June 30, 2020
and the year ended December 31, 2019 of impaired financial assets (financial
assets and guarantees given) are as follows:</font></font><a name="XBRL_TS_a6e3a675d37d43b6ae0426cbf_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_7.2_061Jun1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Changes in
  impaired financial assets and guarantees given (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="background:#5AC4C4;border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">16,770</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">17,134</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Additions</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,581</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,857</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Decreases (*)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,517)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(5,874)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Net additions</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,064</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,983</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Amounts
  written-off</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,778)</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(3,803)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Exchange
  differences and other</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(322)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(544)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Balance at the
  end </font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">16,734</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">16,770</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;"><a name="XBRL_TS_c0e64e6e7bfe495b809c167ae"></a><a name="XBRL_FS_7c177a8a7c4c44319a28ecb9c"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*) Reflects
the total amount of impaired loans derecognized from the consolidated balance
sheet throughout the period as a result of mortgage foreclosures and real
estate assets received in lieu of payment as well as monetary recoveries.</font></font><a name="XBRL_FS_7c177a8a7c4c44319a28ecb9c_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:avoid;text-align:justify;text-indent:0cm;">&nbsp;</h3>
<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-31</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:9.0pt;">6.2.4&#160;&#160;&#160;
Loss allowances</font></b></font></h3>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">Below are the changes in the six
months ended June 30, 2020 and the year ended December 31, 2019 in the loss
allowances recognized on the accompanying consolidated balance sheets to cover
the estimated loss allowances in loans and advances of financial assets at
amortized cost:</font></font><a name="XBRL_TS_c0e64e6e7bfe495b809c167ae_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_NORMALIZADO_082_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Changes in
  loss allowances of loans and advances at amortized cost (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap valign=bottom width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="background:#5AC4C4;border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Balance at the
  beginning of the period </font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;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:0cm;margin-bottom:.0001pt;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;">(12,427)</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;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:0cm;margin-bottom:.0001pt;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;">(12,217)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Increase in
  loss allowances charged to income</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(6,723)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(10,236)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 1</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,603)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,650)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 2</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,771)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,923)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 3</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(3,350)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(6,664)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Decrease in
  loss allowances charged to income</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,070</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,990</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 1</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">960</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,312</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 2</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">812</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,298</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Stage 3</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,298</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,380</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Transfer to written-off
  loans, exchange differences and other</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,493</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,036</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&#160;Closing
  balance</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(13,588)</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(12,427)</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:avoid;text-align:justify;"><a name="XBRL_TS_3487a269d250434b9ecf85010"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">6.3&#160;&#160;&#160;
Liquidity and funding risk</font></b></font></h2>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">Since the beginning of March, the global crisis caused by COVID-19
has had a significant impact on financial markets. The effects of this crisis
on the Group's consolidated balance sheets have fundamentally been felt
initially through increased drawdowns of credit facilities by wholesale
customers in the face of worsening funding conditions in the markets, with no
significant effect in the retail world. In view of this situation, there was a
joint response by various central banks, through specific measures and programs
to facilitate the funding of the real economy and the provision of liquidity in
the financial markets. During the second quarter, significant net repayments were
made by certain wholesale customers who had drawn down credit facilities during
the first quarter of the year.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">BBVA Group&#180;s liquidity position in
every geographical area allows its regulatory ratios to be above the minimum
required:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The BBVA Group's liquidity coverage
ratio (LCR) remained significantly above 100% and stood at 159% as of June 30,
2020. For the calculation of this ratio, it is assumed that there is no
transfer of liquidity among subsidiaries; i.e. no kind of excess liquidity
levels in foreign subsidiaries are considered in the calculation of the
consolidated ratio. When considering these excess liquidity levels, the BBVA
Group's LCR would stand at 191% (32 percentage points above 159%). In addition,
it exceeded 100% in all subsidiaries.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The Net Stable Funding Ratio
(NSFR), defined as the ratio between the amount of stable funding available and
the amount of stable funding required, is one of the Basel Committee's
essential reforms, and requires banks to maintain a stable funding profile in
relation to the composition of their assets and off-balance sheet activities.
This ratio should be at least 100% at all times. At the BBVA Group, the NSFR,
calculated according to the Basel requirements, remained above 100% throughout 2019
and stood at 124% as of June 30, 2020.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The wholesale funding markets in which the Group operates were
affected by the events of COVID-19 and secondary market prices suffered a
material correction as a result of the increased volatility. This led to a
significant increase in the issue premiums and levels of access to the primary
market. While certain degrees of volatility are still notable, this situation
has been stabilizing and prices in the secondary market have been correcting
themselves.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The main transactions carried out
by the companies that form part of the BBVA Group in the first half of 2020
were:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">During the first quarter of 2020,
BBVA, S.A. carried out two issuances of senior non-preferred debt totaling
&#8364;1,400 million and a Tier 2 issuance totaling &#8364;1,000 million. In the second quarter
of 2020, it issued preferred senior debt totaling &#8364;1,000 million as a COVID-19
social bond, the first of its kind from a private financial institution in
Europe. In July 2020 two issuances were made: the first, is the first green
convertible bond (CoCo) ever issued by a financial institution worldwide for
the amount of &#8364;1,000 million, with a coupon of 6% and an option for early
amortization in five and a half years (see Note 50); and the second, a
subordinated debt issuance of Tier 2 in Pounds sterling, for the amount of 300
million, to a term of eleven years and option of amortization to the sixth,
with a coupon of 3.104%.</font></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-32</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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</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">

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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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">In Mexico, a local senior issuance
was carried out in February 2020 for MXN 15,000 million (&#8364;578 million in euros)
in three tranches. Two tranches in Mexican pesos over 3 and 5 years (one for
MXN 7,123 million at the Interbank Equilibrium Interest Rate (TIIE) 28 + 5
basis points and another for MXN 6,000 million at TIIE 28 + 15 basis points,
respectively), and another tranche in US dollars over 3 years (USD 100 million
at 3-month Libor + 49 basis points)</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:36.0pt;margin-right:0cm;margin-top:6.0pt;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:8.0pt;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;
&nbsp;</font></font><font face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">In Turkey, Garanti BBVA carried out
a Tier 2 issuance for TRY 750 million in the first quarter of 2020. In the
second quarter of 2020, Garanti BBVA renewed a syndicated loan by issuing the
first green syndicated loan indexed to sustainability criteria, and in whose
renovation the EBRD -European Bank for Reconstruction and Development- and the
IFC -International Finance Corporation- have participated.</font></font><a name="XBRL_TS_3487a269d250434b9ecf85010_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_2b20bea16e7746ca90ed885fc"></a><a name="_Toc256000031"></a><a name="_Toc508358969"></a><a name="_Toc416186911"></a><a name="_Toc256000014"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">7.&#160;&#160;&#160;
Fair value</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:11.0pt;"> of financial instruments</font></b></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The criteria and valuation methods used to calculate the fair
value of financial assets as of June 30, 2020 do not differ significantly from
those included in Note 8 from the consolidated financial statements for the
year ended December 31, 2019.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The techniques and unobservable inputs used for the valuation of
the financial instruments classified in the fair value hierarchy as Level 3, do
not significantly differ from those detailed in Note 8 of the consolidated
financial statements for the year 2019 Nevertheless, the level of significance
of the unobservable inputs used to determine the hierarchy of the fair value of
loans and advances to customers at amortized cost has been revised, resulting
in greater exposure classified as level 3.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The effect on the consolidated income statements and on the
consolidated equity, resulting from changing the main assumptions used in the
valuation of Level 3 financial instruments for other reasonably possible
assumptions, does not differ significantly from that detailed in Note 8 of the
consolidated financial statements for the year 2019.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;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 as of June 30,
2020 and December 31, 2019:</font></font><a name="XBRL_TS_2b20bea16e7746ca90ed885fc_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_001JUN_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value
  and carrying amount (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=50% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=10% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=20% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td colspan=2 width=20% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December&#160; 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Carrying 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:30.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair Value</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Carrying Amount</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair Value</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">ASSETS</font></b></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:0cm;margin-bottom:.0001pt;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:8.0pt;">&nbsp;</font></b></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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Cash, cash
  balances at central banks and other demand deposits</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">65,877</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">65,877</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">44,303</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">44,303</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets held for trading</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:0cm;margin-bottom:.0001pt;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;">9</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">119,332</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">119,332</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">102,688</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">102,688</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-trading financial
  assets mandatorily at fair value through profit or loss</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:0cm;margin-bottom:.0001pt;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;">10</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,998</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,998</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,557</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,557</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets designated at fair value through profit or loss</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:0cm;margin-bottom:.0001pt;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;">11</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,098</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,098</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,214</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,214</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at fair value through other comprehensive income</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:0cm;margin-bottom:.0001pt;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;">12</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">70,045</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">70,045</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">61,183</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">61,183</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at amortized cost</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:0cm;margin-bottom:.0001pt;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;">13</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">450,222</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">452,719</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">439,162</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">442,788</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Derivatives -
  Hedge accounting</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:0cm;margin-bottom:.0001pt;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;">14</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,531</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,531</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,729</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,729</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;border-bottom:solid black 1.0pt;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  liabilities held for trading </font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">108,624</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">108,624</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">89,633</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">89,633</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  liabilities designated at fair value through profit or loss </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:0cm;margin-bottom:.0001pt;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;">11</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,203</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,203</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10,010</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10,010</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  liabilities at amortized cost </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:0cm;margin-bottom:.0001pt;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;">21</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">559,713</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">557,678</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">516,641</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">515,910</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=50% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Derivatives -
  Hedge accounting</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:0cm;margin-bottom:.0001pt;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;">14</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,368</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,368</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,233</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,233</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">&nbsp;</font></font></p>

<p style="border:none;margin:0cm;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_889d093c4ed24774865ab035f"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-33</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The following table shows the
financial instruments in the accompanying consolidated balance sheets, broken
down by the measurement technique used to determine their fair value as of June
30, 2020 and December 31, 2019:</font></font><a name="XBRL_TS_889d093c4ed24774865ab035f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_002JUN_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=7 nowrap width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value of
  financial instruments by levels (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=46% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#094FA4 face=Arial,sans-serif style="border:none;"><font color=#094FA4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 width=27% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td colspan=3 width=27% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Level 1</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:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Level 2</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:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Level 3</font></b></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Level 1</font></b></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Level 2</font></b></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Level 3</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Cash, cash
  balances at central banks and other demand deposits</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">65,686</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">191</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">44,111</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">192</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets held for trading</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30,604</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">86,964</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,763</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">31,135</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">70,045</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,508</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,483</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">33,848</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,261</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">697</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">32,321</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,285</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt
  securities </font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">15,246</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11,304</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">89</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">18,076</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,178</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">55</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments </font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,751</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">28</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">82</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,832</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">59</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Derivatives</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,124</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">41,785</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">331</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,530</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">29,546</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">109</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=46% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Non-trading
  financial assets mandatorily at fair value through profit or loss</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,629</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,224</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,145</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,305</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">92</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,160</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">152</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">538</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">82</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,038</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt
  securities </font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">205</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">45</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">91</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">19</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,477</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,019</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">562</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,223</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">103</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets designated at fair value through profit or loss</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">925</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">172</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,214</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt
  securities </font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">925</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">172</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,214</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets at fair value through other comprehensive income</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">57,066</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12,129</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">849</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">50,896</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,203</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,084</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">33</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">33</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt
  securities </font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">55,780</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11,990</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">452</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">49,070</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,057</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">604</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,254</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">139</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">397</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,794</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">146</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">480</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets at amortized cost</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">32,880</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">26,566</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">393,273</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">29,391</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">217,279</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">196,119</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Derivatives &#8211;
  Hedge accounting</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">153</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,370</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">44</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,685</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  liabilities held for trading </font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">26,953</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">80,095</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,576</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">26,266</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">62,541</font></b></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">827</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Deposits</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,727</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">37,828</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,082</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,595</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">32,121</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">649</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Trading
  derivatives</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,612</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">41,048</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">494</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,425</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30,419</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">175</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Short
  positions</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10,614</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,219</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12,246</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2</font></font></p>
  </td>
 </tr>
<tr style="height:20.1pt;">
  <td width=46% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  liabilities designated at fair value through profit or loss</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,120</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,083</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,984</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:20.1pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">27</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Customer
  deposits</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">914</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">944</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Debt
  certificates</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,119</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,083</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,629</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">27</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other
  financial liabilities</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,087</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,410</font></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  liabilities at amortized cost </font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">92,354</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">314,925</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">150,399</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">67,229</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">289,599</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">159,082</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Derivatives &#8211;
  Hedge accounting</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">48</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,287</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">34</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,192</font></b></font></p>
  </td>
 <td nowrap width=9% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11</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:avoid;text-align:justify;"><a name="_Toc298431712_1"></a><a name="_Toc299029448_1"></a><a name="_Toc299031530_1"></a><a name="_Toc299032869_1"></a><a name="_Toc331260310_1"></a><a name="_Toc410561201_0"></a><a name="XBRL_TS_d91065eaa3b34af785a2dc334"></a><a name="_Toc256000032"></a><a name="_Toc480811295"></a><a name="_Toc489357334"></a><a name="_Toc489357513"></a><a name="_Toc489875588"></a><a name="_Toc508358970"></a><a name="_Toc412809669"></a><a name="_Toc413086309"></a><a name="_Toc413844077"></a><a name="_Toc416090639"></a><a name="_Toc416090821"></a><a name="_Toc416098232"></a><a name="_Toc416186913"></a><a name="_Toc416187030"></a><a name="_Toc418062371"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">8.&#160;&#160;&#160;
Cash, cash balances at central banks</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:11.0pt;"> and other
demand deposits</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:avoid;text-align:justify;"><a name="_Toc298431713"></a><a name="_Toc299029449"></a><a name="_Toc299031531"></a><a name="_Toc299032870"></a><a name="_Toc331260311"></a><a name="_Toc256000048"></a><a name="_Toc412809670"></a><a name="_Toc413086310"></a><a name="_Toc413844078"></a><a name="_Toc416090640"></a><a name="_Toc416090822"></a><a name="_Toc416098233"></a><a name="_Toc416186914"></a><a name="_Toc416187031"></a><a name="_Toc418062372"></a><a name="_Toc480811296"></a><a name="_Toc489357335"></a><a name="_Toc489357514"></a><a name="_Toc489875589"></a><a name="_Toc508358971"></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%;">The breakdown of the balance under the heading &#8220;Cash, cash
balances at central banks and other demand deposits&#8221; in the accompanying
consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_d91065eaa3b34af785a2dc334_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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=64% style="border:none;border-bottom:solid black 1.0pt;height:24.95pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=64% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Cash on hand</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,669</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,060</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=64% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Cash balances
  at central banks (*)</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">54,442</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">31,755</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other demand
  deposits</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,766</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,488</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">65,877</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">44,303</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;text-indent:0cm;"><a name="XBRL_FS_8bb036fb8ae64bc5a6f088f7d"></a><a name="XBRL_TS_c3d282bcf71742be966ca307e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)&#160;&#160; The variation
corresponds mainly to the increase in cash held at the Bank of Spain.</font></font><a name="XBRL_FS_8bb036fb8ae64bc5a6f088f7d_bclEnd"></a><a name="XBRL_TS_c3d282bcf71742be966ca307e_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_03997db9b3934fc19b2ef6006"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-34</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">9.&#160;&#160;&#160;
Financial assets and liabilities held for trading</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: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%;">The breakdown of the balance under
these headings in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_03997db9b3934fc19b2ef6006_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_2_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:22.5pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets and liabilities held for trading (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap width=50% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#E7E6E6 face=Arial,sans-serif style="border:none;"><b><font color=#E7E6E6 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#E7E6E6 face=Arial,sans-serif style="border:none;"><b><font color=#E7E6E6 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#E7E6E6 face=Arial,sans-serif style="border:none;"><b><font color=#E7E6E6 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=50% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Derivatives (*)</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">49,239</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:0cm;margin-bottom:.0001pt;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;">33,185</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=50% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Equity
  instruments</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:0cm;margin-bottom:.0001pt;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;">6.2.2</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:0cm;margin-bottom:.0001pt;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;">5,862</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:0cm;margin-bottom:.0001pt;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;">8,892</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=50% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt securities</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:0cm;margin-bottom:.0001pt;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;">6.2.2</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:0cm;margin-bottom:.0001pt;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;">26,640</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:0cm;margin-bottom:.0001pt;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;">26,309</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=50% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Issued by
  central banks</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">1,125</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">840</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=50% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Issued by
  public administrations</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">23,642</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">23,918</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=50% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Issued by
  financial institutions</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">838</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">679</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=50% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other debt
  securities</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">1,035</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">872</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=50% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances </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:0cm;margin-bottom:.0001pt;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;">6.2.2</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:0cm;margin-bottom:.0001pt;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;">37,591</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:0cm;margin-bottom:.0001pt;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;">34,303</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to central banks</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">636</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">535</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Reverse
  repurchase agreement</font></i></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">636</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">535</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and advances
  to credit institutions</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">24,912</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">21,286</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Reverse
  repurchase agreement</font></i></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">24,857</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">21,219</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Loans and
  advances to customers</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">12,044</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">12,482</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Reverse
  repurchase agreement</font></i></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">11,026</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">12,187</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total&#160; assets</font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#5AC4C4;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">119,332</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">102,688</font></b></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 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#E7E6E6 face=Arial,sans-serif style="border:none;"><b><font color=#E7E6E6 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#E7E6E6 face=Arial,sans-serif style="border:none;"><b><font color=#E7E6E6 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#E7E6E6 face=Arial,sans-serif style="border:none;"><b><font color=#E7E6E6 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Derivatives (*)</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">50,154</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">35,019</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Short positions</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11,832</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12,249</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deposits</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">46,637</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">42,365</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Deposits from
  central banks </font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">5,685</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">7,635</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Repurchase
  agreement</font></i></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">5,685</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">7,635</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Deposits from
  credit institutions </font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">28,617</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">24,969</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Repurchase agreement</font></i></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">28,214</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">24,578</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=50% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Customer
  deposits</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">12,335</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">9,761</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Repurchase
  agreement</font></i></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">12,271</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">9,689</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=50% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total&#160;
  liabilities</font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#5AC4C4;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">108,624</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">89,633</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;text-indent:0cm;"><a name="XBRL_FS_3e685477df0c49e09c096a0af"></a><a name="XBRL_TS_ac45add36496493dad657411d"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)&#160;&#160; The
variation corresponds mainly to foreign exchange derivatives in BBVA S.A.</font></font><a name="XBRL_FS_3e685477df0c49e09c096a0af_bclEnd"></a><a name="XBRL_TS_ac45add36496493dad657411d_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="_Toc489875590"></a><a name="_Toc489357515"></a><a name="_Toc489357336"></a><a name="_Toc480811297"></a><a name="_Toc418062373"></a><a name="_Toc416187032"></a><a name="_Toc416186915"></a><a name="_Toc416098234"></a><a name="_Toc416090823"></a><a name="_Toc416090641"></a><a name="_Toc413844079"></a><a name="_Toc413086311"></a><a name="_Toc412809671"></a><a name="XBRL_TS_8c4c9eb80db44719bc307c68d"></a><a name="_Toc508358972"></a><a name="_Toc256000049"></a><a name="Nota_11"></a><a name="Nota_11_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">10.&#160;&#160;&#160;
Non-trading financial assets mandatorily at fair value through profit or loss</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: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%;">The breakdown of the balance under
this heading in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_8c4c9eb80db44719bc307c68d_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-trading
  financial assets mandatorily at fair value through profit or loss (Millions
  of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap width=46% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=46% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6.2.2</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,058</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,327</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=46% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt securities</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6.2.2</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">250</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">110</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=46% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to customers</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6.2.2</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">690</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,120</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=46% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,998</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,557</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:avoid;text-align:justify;"><a name="XBRL_TS_da620a7d436640b99f099c0b4"></a><a name="_Toc256000050"></a><a name="_Toc508358974"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-35</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_114"></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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">11.&#160;&#160;&#160;
Financial assets and liabilities designated at fair value through profit or
loss</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: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%;">The breakdown of the balance under
these headings in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_da620a7d436640b99f099c0b4_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.0pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets and liabilities designated at fair value through profit or loss (Millions
  of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes </font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">ASSETS</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=46% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt securities</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,098</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,214</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=46% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total assets</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6.2.2</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,098 </font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,214 </font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LIABILITIES</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=46% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deposits</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">914</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">944</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt
  certificates</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,202</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,656</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other financial
  liabilities: Unit-linked products</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,087</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,410</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=46% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total
  liabilities</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,203</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10,010</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:avoid;text-align:justify;"><a name="XBRL_TS_1bcd25f9ae4c44c6a2909d3cc"></a><a name="_Toc256000051"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">12.&#160;&#160;&#160;
Financial assets at fair value through other comprehensive income</font></b></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">12.1&#160;&#160;&#160; Breakdown of the balance</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The breakdown of the balance by
type of financial instruments under these headings in the accompanying
consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_1bcd25f9ae4c44c6a2909d3cc_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_005_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at fair value through other comprehensive income (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=48% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=48% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Equity
  instruments</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6.2.2</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,789</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:0cm;margin-bottom:.0001pt;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;">2,420</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=48% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt securities
  (*)</font></font></p>
  </td>
 <td nowrap width=17% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">68,223</font></font></p>
  </td>
 <td nowrap width=17% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">58,731</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=48% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=17% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6.2.2</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">33</font></font></p>
  </td>
 <td nowrap width=17% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">33</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=48% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">70,045</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">61,183</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=48% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  loss allowances of debt securities</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(162)</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(110)</font></i></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;text-indent:0cm;"><a name="XBRL_TS_2173b44976ea4761a629fa71d"></a><a name="XBRL_FS_66a29d3bc98341028b961071e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)The
variation corresponds mainly to the increase in financial assets issued by
governments in BBVA, S.A.</font></font><a name="XBRL_FS_66a29d3bc98341028b961071e_bclEnd"></a></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">12.2&#160;&#160;&#160; Equity instruments</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The breakdown of
the balance under the heading &quot;Equity instruments&quot; of the accompanying
consolidated balance sheets as of June 30, 2020 and December 31, 2019, is as
follows:</font></font><a name="XBRL_TS_2173b44976ea4761a629fa71d_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_011Junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=5 width=100% style="background:#F3F3F3;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at fair value through other comprehensive income. Equity instruments
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=47% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=26% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td colspan=2 width=27% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Amortized cost</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:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value </font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Amortized cost</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value </font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=47% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Listed equity
  instruments</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Spanish
  companies shares</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,182</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,141</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,181</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,674</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Foreign
  companies shares</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">140</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">199</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">136</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">213</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">The United
  States</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">31</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">79</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">30</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">78</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Mexico</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">1</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">29</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">1</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">34</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Turkey</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">3</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">6</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">3</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">5</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other countries</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">106</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">85</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">102</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">96</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=47% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,322</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,340</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,317</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,886</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Unlisted
  equity instruments</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Spanish
  companies shares</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Foreign
  companies shares </font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">376</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">444</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">450</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">528</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">The United States</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">318</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">351</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">387</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">419</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Mexico</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">1</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Turkey</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">6</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">9</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">5</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">9</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other countries</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">52</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">83</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">57</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">99</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=47% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Subtotal</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">381</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">449</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">454</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">533</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=47% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,703</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,789</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,772</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,420</font></b></font></p>
  </td>
 </tr>
</table></div>




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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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;text-align:justify;"><a name="XBRL_TS_d0aae13be5eb40d6b7827f0b3"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">12.3&#160;&#160;&#160;
Debt securities</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The breakdown of
the balance under the heading &quot;Debt securities&quot; of the accompanying
consolidated balance sheets as of June 30, 2020 and December 31, 2019, is as
follows:</font></font><a name="XBRL_TS_d0aae13be5eb40d6b7827f0b3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_003junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=5 width=100% style="background:#F2F2F2;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at fair value through other comprehensive income. Debt securities
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=47% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 nowrap width=26% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=27% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0066CC face=Arial,sans-serif style="border:none;"><b><font color=#0066CC face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Amortized cost </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:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Amortized cost </font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Domestic debt
  securities</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Government and
  other government agency debt securities</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">28,151</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">28,913</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">20,740</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">21,550</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Central banks</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit
  institutions</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,050</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,110</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">959</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,024</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other issuers</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">899</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">936</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">907</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">947</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30,100</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30,959</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">22,607</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">23,521</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Foreign debt securities</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=14% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Mexico</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">7,224</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">7,375</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;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;">7,790</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">7,786</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Government and
  other government agency debt securities</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,359</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,527</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,869</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,868</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Central banks</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit
  institutions</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">62</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">63</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">77</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">78</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other issuers</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">803</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">786</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">843</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">840</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">The United
  States</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">10,267</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">10,421</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;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;">11,376</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">11,393</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Government
  securities </font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,572</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,698</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,570</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,599</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="height:22.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Treasury and
  other government agencies</font></font></p>
  </td>
 <td nowrap width=13% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">4,049</font></font></p>
  </td>
 <td nowrap width=13% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">4,113</font></font></p>
  </td>
 <td nowrap width=14% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">5,595</font></font></p>
  </td>
 <td nowrap width=13% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">5,624</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">States and
  political subdivisions </font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">2,523</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">2,585</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">2,975</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">2,975</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Central banks</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit
  institutions</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">157</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">158</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">122</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">124</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other issuers</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,538</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,565</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,684</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,670</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Turkey</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">3,801</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">3,840</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;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;">3,752</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">3,713</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Government and
  other government agency debt securities</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,801</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,840</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,752</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,713</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Central banks</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit
  institutions</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other issuers</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other
  countries</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">15,143</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">15,628</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;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;">11,870</font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;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;">12,318</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other foreign
  governments and other government agency debt securities</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,519</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,861</font></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,963</font></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,269</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Central banks</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,481</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,484</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,005</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,010</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit
  institutions</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,425</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,517</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,795</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,892</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other issuers</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,717</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,766</font></font></p>
  </td>
 <td nowrap width=14% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,106</font></font></p>
  </td>
 <td nowrap width=13% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,147</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Subtotal </font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">36,436</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">37,264</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">34,788</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">35,210</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=47% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">66,536</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">68,223</font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">57,395</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">58,731</font></b></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_a0f7e982fe6c4660a2a6abf30"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=ES style="font-size:8.0pt;line-height:115%;">&nbsp;</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-37</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The credit ratings of the issuers of debt securities as of June
30, 2020 are as follows:</font></font><a name="XBRL_TS_a0f7e982fe6c4660a2a6abf30_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.2_007junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt
  securities by rating</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=36% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.75pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(Millions of Euros)</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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">%</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">AAA</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:0cm;margin-bottom:.0001pt;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;">9,806</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:0cm;margin-bottom:.0001pt;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;">14.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">AA+</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:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">1.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">AA</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:0cm;margin-bottom:.0001pt;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;">300</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:0cm;margin-bottom:.0001pt;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;">0.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">AA-</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:0cm;margin-bottom:.0001pt;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;">626</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:0cm;margin-bottom:.0001pt;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;">0.9%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">A+</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:0cm;margin-bottom:.0001pt;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;">3,796</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:0cm;margin-bottom:.0001pt;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;">5.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">A</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:0cm;margin-bottom:.0001pt;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;">2,180</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:0cm;margin-bottom:.0001pt;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;">3.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">A-</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:0cm;margin-bottom:.0001pt;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;">31,076</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:0cm;margin-bottom:.0001pt;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;">45.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBB+</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:0cm;margin-bottom:.0001pt;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;">7,442</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:0cm;margin-bottom:.0001pt;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;">10.9%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBB</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:0cm;margin-bottom:.0001pt;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;">3,137</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:0cm;margin-bottom:.0001pt;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;">4.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBB-</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:0cm;margin-bottom:.0001pt;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;">3,691</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:0cm;margin-bottom:.0001pt;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;">5.4%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BB+ or below</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:0cm;margin-bottom:.0001pt;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;">4,925</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:0cm;margin-bottom:.0001pt;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;">7.2%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Unclassified</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:0cm;margin-bottom:.0001pt;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;">412</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:0cm;margin-bottom:.0001pt;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;">0.6%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">68,223</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">100.0%</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:avoid;text-align:justify;"><a name="XBRL_TS_21c58f318f0f4649805fba91b"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">12.4&#160;&#160;&#160;
Gains/losses</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">Changes in
gains/losses</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: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%;">The changes in the gains/losses (net of taxes) during the six
months ended June 30, 2020 and in the year ended December 31, 2019 of debt
securities recognized under the equity heading &#8220;Accumulated other comprehensive
income &#8211; Items that may be reclassified to profit or loss &#8211; Fair value changes
of debt instruments measured at fair value through other comprehensive income&#8221;
and equity instruments recognized under the equity heading &#8220;Accumulated other
comprehensive income &#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; in the accompanying consolidated balance sheets are as
follows:</font></font><a name="XBRL_TS_21c58f318f0f4649805fba91b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_12.3_013JunB_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=6 valign=top width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  comprehensive income - Changes in gains / losses (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=34% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=14% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=26% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt securities </font></b></font></p>
  </td>
 <td colspan=2 width=26% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Equity instruments</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap valign=bottom width=34% style="height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=14% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=13% style="border:none;border-top:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 <td width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=13% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=34% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Balance at the
  beginning </font></b></font></p>
  </td>
 <td nowrap width=14% style="background:#5AC4C4;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,760</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">943</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(403)</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(155)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=34% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Valuation gains
  and losses</font></font></p>
  </td>
 <td nowrap width=14% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">137</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:0cm;margin-bottom:.0001pt;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;">1,267</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:0cm;margin-bottom:.0001pt;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;">(562)</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:0cm;margin-bottom:.0001pt;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;">(238)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=34% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Amounts
  transferred to income</font></font></p>
  </td>
 <td nowrap width=14% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">(71)</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:0cm;margin-bottom:.0001pt;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;">(119)</font></font></p>
  </td>
 <td nowrap width=13% style="background:#BFBFBF;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#BFBFBF;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=34% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Amounts transferred
  to Reserves</font></font></p>
  </td>
 <td nowrap width=14% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#BFBFBF;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#BFBFBF;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=34% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Income tax</font></font></p>
  </td>
 <td nowrap width=14% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">4</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:0cm;margin-bottom:.0001pt;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;">(331)</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:0cm;margin-bottom:.0001pt;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;">25</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:0cm;margin-bottom:.0001pt;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;">(10)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=34% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Balance at the
  end</font></b></font></p>
  </td>
 <td width=14% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">27</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,830</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,760</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(940)</font></b></font></p>
  </td>
 <td nowrap width=13% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(403)</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_TS_37c12b0499384b9485647f6e8"></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%;">During the
six months ended June 30, 2020 and 2019, 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 net gains by
modification&#8211; Financial assets at fair value through other comprehensive
income&#8221; in the accompanying consolidated income statement amounted to &#8364;71 and 5
million, respectively (see Note 42) as a result of</font></font><a name="XBRL_TS_37c12b0499384b9485647f6e8_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%;"> the decrease in the rating of debt securities in BBVA Argentina.
</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="XBRL_TS_c3055dd8aec740d4860758906"></a><a name="_Toc256000052"></a><a name="_Toc508358976"></a><a name="_Toc298431717"></a><a name="_Toc299029453"></a><a name="_Toc299031535"></a><a name="_Toc299032874"></a><a name="_Toc331260315"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-38</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">13.&#160;&#160;&#160; Financial assets at amortized cost</font></b></font><a name="_Toc256000053"></a><a name="_Toc416186920"></a><a name="_Toc416187037"></a><a name="_Toc418062377"></a><a name="_Toc480811301"></a><a name="_Toc489357340"></a><a name="_Toc489357519"></a><a name="_Toc489875594"></a><a name="_Toc508358977"></a></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">13.1&#160;&#160;&#160; Breakdown of the balance</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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_c3055dd8aec740d4860758906_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at amortized cost (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:26.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:26.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt securities</font></b></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:0cm;margin-bottom:.0001pt;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;">43,396</font></b></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:0cm;margin-bottom:.0001pt;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;">38,877</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to central banks</font></b></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:0cm;margin-bottom:.0001pt;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;">4,773</font></b></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:0cm;margin-bottom:.0001pt;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;">4,275</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to credit institutions</font></b></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:0cm;margin-bottom:.0001pt;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;">14,842</font></b></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:0cm;margin-bottom:.0001pt;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;">13,649</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to customers</font></b></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:0cm;margin-bottom:.0001pt;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;">387,212</font></b></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:0cm;margin-bottom:.0001pt;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;">382,360</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Government</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:0cm;margin-bottom:.0001pt;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;">27,259</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:0cm;margin-bottom:.0001pt;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;">28,222</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other financial
  corporations</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:0cm;margin-bottom:.0001pt;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;">13,535</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:0cm;margin-bottom:.0001pt;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;">11,207</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-financial
  corporations</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:0cm;margin-bottom:.0001pt;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;">178,598</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:0cm;margin-bottom:.0001pt;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;">166,789</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=64% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">167,820</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">176,142</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">450,222</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">439,162</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which: impaired
  assets of loans and advances to customers (*)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">15,637</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">15,954</font></i></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=64% style="height:14.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  loss allowances of loans and advances (*)</font></i></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(13,588)</font></i></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(12,427)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  loss allowances of debt securities</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(77)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=gray face=Arial,sans-serif style="border:none;"><i><font color=gray face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(52)</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;text-align:justify;"><a name="XBRL_TS_66a4322b01ac4997bf93102ec"></a><a name="XBRL_FS_5d5b79bd1aae43d6b79cb582e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*) See Note
6.2.</font></font><a name="XBRL_FS_5d5b79bd1aae43d6b79cb582e_bclEnd"></a></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">During the six months ended June 30, 2020 and the year ended
December 31, 2019, 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></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">13.2&#160;&#160;&#160; Loans and advances to customers</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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_66a4322b01ac4997bf93102ec_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_006.3_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to customers (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">On demand and
  short notice</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">2,844</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:0cm;margin-bottom:.0001pt;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;">3,050</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit card
  debt</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">13,283</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:0cm;margin-bottom:.0001pt;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;">16,354</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Trade
  receivables</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">14,142</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:0cm;margin-bottom:.0001pt;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;">17,276</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Finance leases</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">8,113</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:0cm;margin-bottom:.0001pt;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;">8,711</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Reverse
  repurchase agreements</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">947</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:0cm;margin-bottom:.0001pt;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;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other term
  loans</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">342,180</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:0cm;margin-bottom:.0001pt;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;">332,160</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Advances that
  are not loans</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">5,704</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:0cm;margin-bottom:.0001pt;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;">4,784</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">387,212</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">382,360</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:avoid;text-align:justify;"><a name="XBRL_TS_269852e0fd374d3886176d369"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">14.&#160;&#160;&#160; Derivatives- Hedge
accounting and fair value changes of the hedged items in portfolio hedges of
interest rate 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: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%;">The breakdown of the balance under
these headings in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_269852e0fd374d3886176d369_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_007_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:23.25pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:22.5pt;">
  <td width=47% style="height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=47% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Derivatives -
  Hedge accounting</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,531</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,729</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value
  changes of the hedged items in portfolio hedges of interest rate risk</font></font></p>
  </td>
 <td nowrap width=17% style="height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">60</font></font></p>
  </td>
 <td nowrap width=18% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">28</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LIABILITIES</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Derivatives -
  Hedge accounting</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">2,368</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:0cm;margin-bottom:.0001pt;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;">2,233</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value
  changes of the hedged items in portfolio hedges of interest rate risk</font></font></p>
  </td>
 <td nowrap width=17% style="height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=18% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-39</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_118"></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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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="XBRL_TS_ffa38efeeb8a433e953353771"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">15.&#160;&#160;&#160; Investments </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:11.0pt;">in
joint ventures and associates</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: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%;">The breakdown of the balance of
&#8220;Investments in joint ventures and associates&#8221; in the accompanying consolidated
balance sheets is as follows:</font></font><a name="XBRL_TS_ffa38efeeb8a433e953353771_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_15_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Joint
  ventures and associates (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Joint ventures</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:0cm;margin-bottom:.0001pt;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;">150</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:0cm;margin-bottom:.0001pt;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;">154</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Associates</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:0cm;margin-bottom:.0001pt;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;">1,216</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:0cm;margin-bottom:.0001pt;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;">1,334</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,366</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,488</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:avoid;text-align:justify;"><a name="XBRL_TS_d4f9482e08c047a5a1acf06cf"></a><a name="_Toc256000054"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">16.&#160;&#160;&#160;
Tangible assets</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: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%;">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_d4f9482e08c047a5a1acf06cf_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_16_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=3 valign=bottom width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Tangible
  assets. Breakdown by type&#160; (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Property
  plant and equipment </font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,796</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,816</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">For own use</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">8,578</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,554</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Land and
  buildings</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,584</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,001</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Work in
  progress</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">63</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">56</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Furniture,
  fixtures and vehicles</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,954</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,351</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Right to use
  assets</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,382</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,516</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accumulated
  depreciation</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(5,957)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(5,969)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(447)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(402)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Leased out
  under an operating lease</font></b></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">217</font></b></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">263</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Assets leased
  out under an operating lease</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">280</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">337</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accumulated
  depreciation</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(62)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(74)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Investment
  property</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">261</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">252</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Building rental
  </font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">228</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">211</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other </font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Right to use
  assets</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">83</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">101</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accumulated
  depreciation</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(16)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(24)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(38)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(39)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,057</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10,068</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:avoid;text-align:justify;"><a name="XBRL_TS_3f97fc0f27b24ae7a4e99a521"></a><a name="_Toc256000055"></a><a name="_Toc416186922"></a><a name="_Toc416187039"></a><a name="_Toc418062379"></a><a name="_Toc480811303"></a><a name="_Toc489357342"></a><a name="_Toc489357521"></a><a name="_Toc489875596"></a><a name="_Toc508358979"></a><a name="_Toc412809678"></a><a name="_Toc413086318"></a><a name="_Toc413844086"></a><a name="_Toc416090648"></a><a name="_Toc416090830"></a><a name="_Toc416098241"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-40</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_119"></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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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-AU style="font-size:11.0pt;">17.&#160;&#160;&#160;
Intangible</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;"> assets</font></b></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">17.1&#160;&#160;&#160; Goodwill</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The breakdown of the balance under this heading in the
accompanying consolidated balance sheets, according to the cash-generating unit
(hereinafter &#8220;CGU&#8221;) to which goodwill has been allocated, is as follows:</font></font><a name="XBRL_TS_3f97fc0f27b24ae7a4e99a521_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18_001Junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Goodwill.
  Breakdown by CGU and changes of the period (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=23% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The United States</font></b></font></p>
  </td>
 <td width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Turkey</font></b></font></p>
  </td>
 <td width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Mexico</font></b></font></p>
  </td>
 <td width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Colombia</font></b></font></p>
  </td>
 <td width=10% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Chile</font></b></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other</font></b></font></p>
  </td>
 <td width=9% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=23% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Balance as of
  December 31, 2018</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,066</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">382</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">519</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">161</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">29</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">23</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,180</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Additions </font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Exchange
  difference</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">98</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(36)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">31</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2)</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1)</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">93</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,318)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,318)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Balance as of
  December 31, 2019</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,846</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">346</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">550</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">164</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">27</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">22</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,955</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Additions </font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Exchange
  difference</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">58</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(45)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(100)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(21)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2)</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1)</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(111)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,084)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,084)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=23% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Balance as of
  June 30, 2020</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,820</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">301</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">450</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">143</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">25</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">21</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,760</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:avoid;text-align:justify;"><a name="_Toc256000056"></a><a name="XBRL_TS_65d4e99a731143ae999fa7b61"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:9.0pt;line-height:115%;">Impairment test</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-AU style="font-size:8.0pt;line-height:115%;">As mentioned in Note 2.2.8 of the consolidated Financial
Statements of the year 2019</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:115%;">, the 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:10.0pt;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%;">The BBVA Group performs estimations on the recoverable amount of
certain CGU&#180;s by calculating the value in use through the discounted value of
future cash flows method.</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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The main hypotheses used for the value in use calculation are the
following:</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:8.0pt;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:8.0pt;line-height:115%;">The forecast cash flows, including
net interest margin, estimated by the Group's management, and based on the
latest available financial statements budgets for the next 3 to 5 years,
considering the macroeconomic variables of each CGU, regarding the existing
balance structure as well as macroeconomic variables such as the evolution of
interest rates and the CPI of the geography where the CGU is located, among
others.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:8.0pt;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:8.0pt;line-height:115%;">The constant growth rate for
extrapolating cash flows, starting in the third or fifth year, beyond the
period covered by the budgets or forecasts.</font></font></p>

<p style="border:none;margin-bottom:6.0pt;margin-left:34.85pt;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:-17.85pt;"><font face=Symbol style="border:none;"><font color=black face=Symbol lang=EN-US style="font-size:8.0pt;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:8.0pt;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: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:8.0pt;line-height:115%;">The focus used by the Group's management to determine the values
of the assumptions is based both on its projections and past experience. These
values are verified and use external sources of information, wherever possible.
Additionally, the valuations of the goodwill of the CGUs of the United States
and Turkey have been reviewed by independent experts (not the Group's external
auditors) as of March 31, 2020 and December 31, 2019. However, certain changes
to the valuation assumptions used could cause differences in the impairment
test result.</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-41</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_120"></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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:8.0pt;line-height:115%;">As of December 31, 2019, the
Group estimated impairment losses in the United States CGU of &#8364;1,318 million,
which was mainly as a result of the negative evolution of interest rates,
especially in the second half of the year, which accompanied by the slowdown of
the economy caused the expected evolution of results below the previous
estimation. This recognition did not affect the tangible book value nor the
liquidity nor the capital of the BBVA Group.</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:8.0pt;line-height:115%;">As of March 31, 2020, the Group identified an indicator of
impairment of goodwill in the CGU and as a result of the goodwill impairment
test, the Group estimated impairment in the United States CGU, of &#8364;2,084
million (see Note 44), which was mainly due to the negative impact of the
update of the macroeconomic scenario following the COVID-19 pandemic (see Note
1.5) and the expected evolution of interest rates. This recognition did not
affect the tangible book value nor the liquidity nor the capital of the BBVA
Group.</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:8.0pt;line-height:115%;">As of June 30, 2020, as a result of the CGU&#180;s assessment, the
Group concluded there is no evidence of further indicators of impairment losses
that requires recognizing significant additional impairment losses in any of
the CGUs where goodwill that the Group has recognized in the consolidated
balance sheet is allocated.</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 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Goodwill - The United States CGU</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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The Group&#8217;s most significant goodwill
corresponds to the CGU in the United States, the main significant assumptions
used in the impairment test as of March 31, 2020 of this mentioned CGU, were:</font></font><a name="XBRL_TS_65d4e99a731143ae999fa7b61_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_007jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment
  test assumptions CGU goodwill in the United States </font></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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">March 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=47% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Discount rate</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10.3%</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10.0%</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=47% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Growth rate</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.0%</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3.5%</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_412220a14e56433abdb3e29f4"></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%;">In
accordance with paragraph 33.c of IAS 36, as of March 31, 2020, the Group used
a growth rate of 3.0% based on the real GDP growth rate of the United States,
the expected inflation and the potential growth of the banking sector in the
United States. This 3.0% rate is lower 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:10.0pt;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:8.0pt;line-height:115%;">The assumptions with a greater
relative weight and whose volatility could have a greater impact in determining
the present value of the cash flows starting on the fifth year are the discount
rate and the growth rate. Below is shown the increased (or decreased) amount of
the CGU recoverable amount as a result of a reasonable variation (in basis
points) of each of the key assumptions as of March 31, 2020:</font></font><a name="XBRL_TS_412220a14e56433abdb3e29f4_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_006jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Sensitivity
  analysis for main assumptions - The United States (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=33% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Increase of 50 basis points (*)</font></b></font></p>
  </td>
 <td width=33% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Decrease of 50 basis points (*)</font></b></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=33% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Discount rate</font></font></p>
  </td>
 <td nowrap width=34% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(755)</font></font></p>
  </td>
 <td nowrap width=33% style="border:none;height:21.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">869</font></font></p>
  </td>
 </tr>
<tr style="height:19.5pt;">
  <td width=33% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Growth rate</font></font></p>
  </td>
 <td nowrap width=34% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">270</font></font></p>
  </td>
 <td nowrap width=33% style="height:19.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(235)</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:6.0pt;text-align:left;text-indent:0cm;"><a name="XBRL_TS_f11be3a21aa345d5944380b66"></a><a name="XBRL_FS_16a8d6f834834fa49fffdf5d3"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)&#160;&#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><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_16a8d6f834834fa49fffdf5d3_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;"><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Goodwill - Turkey CGU</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 face=Arial,sans-serif style="background:white;border:none;"><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:8.0pt;line-height:115%;">The main significant assumptions used in the
impairment test as of March 31, 2020 of the CGU of Turkey, were:</font></font><a name="XBRL_TS_f11be3a21aa345d5944380b66_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_009jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment
  test assumptions CGU goodwill in Turkey</font></font></p>
  </td>
 </tr>
<tr style="height:29.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:29.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">March 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td width=64% style="border:none;height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Discount rate</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">18.1%</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">17.4%</font></font></p>
  </td>
 </tr>
<tr style="height:14.45pt;">
  <td width=64% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Growth rate</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7.0%</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">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:10.0pt;text-align:justify;"><a name="XBRL_TS_f607d0ee3bcd4098b843468f8"></a><font face=Arial,sans-serif style="background:white;border:none;"><font face=Arial,sans-serif lang=EN-US style="background:white;font-size:8.0pt;line-height:115%;">Given the potential growth of the sector in Turkey, in accordance with
paragraph 33.c of IAS 36, as of March 31, 2020 and December 31, 2019, the Group
used a growth rate of 7.0% based on the real GDP growth rate of Turkey and
expected inflation.</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-42</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_121"></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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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: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%;">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 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 as of March 31,
2020:</font></font><a name="XBRL_TS_f607d0ee3bcd4098b843468f8_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_18.2_010jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Sensitivity
  analysis for main assumptions - Turkey (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td width=26% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=37% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impact of an increase of 50 basis points </font></b></font></p>
  </td>
 <td width=37% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impact of a decrease of 50 basis points </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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Discount rate</font></font></p>
  </td>
 <td nowrap width=37% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(166)</font></font></p>
  </td>
 <td nowrap width=37% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">183</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=26% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Growth rate</font></font></p>
  </td>
 <td nowrap width=37% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">23</font></font></p>
  </td>
 <td nowrap width=37% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(21)</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:avoid;text-align:justify;"><a name="XBRL_TS_d7e5dd680b9542c68e53dc1d0"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">Goodwill - Other CGUs</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 color=windowtext face=Arial,sans-serif style="border:none;"><font color=windowtext face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The sensitivity analysis on the main hypotheses
carried out for the rest of the CGUs of the Group indicate that their value in
use would continue to exceed their book value.</font></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">17.2&#160;&#160;&#160; Other intangible assets</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_d7e5dd680b9542c68e53dc1d0_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_010_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  intangible assets (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Computer
  software acquisition expense</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,532</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,598</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  intangible assets with an infinite useful life</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">11</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  intangible assets with a definite useful life</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">320</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">401</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=47% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,863</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,010</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:avoid;text-align:justify;"><a name="XBRL_TS_dfb1bab1318344c2828d0d665"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">18.&#160;&#160;&#160; Tax assets and
liabilities</font></b></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">18.1&#160;&#160;&#160; Consolidated tax group</font></b></font></h2>

<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:8.0pt;line-height:115%;">Pursuant to current legislation, BBVA consolidated tax group in
Spain 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:0cm;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:8.0pt;line-height:115%;">The Group&#8217;s non-Spanish banks and subsidiaries file tax returns in
accordance with the tax legislation in force in each country.</font></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">18.2&#160;&#160;&#160; Current and deferred taxes</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_dfb1bab1318344c2828d0d665_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_17_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Tax assets
  and liabilities (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Tax assets</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Current tax
  assets</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:0cm;margin-bottom:.0001pt;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;">1,182</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:0cm;margin-bottom:.0001pt;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;">1,765</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deferred tax
  assets</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:0cm;margin-bottom:.0001pt;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;">15,536</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:0cm;margin-bottom:.0001pt;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;">15,318</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">16,718</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">17,083</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Tax liabilities</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Current tax
  liabilities</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:0cm;margin-bottom:.0001pt;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;">560</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:0cm;margin-bottom:.0001pt;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;">880</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deferred tax
  liabilities</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:0cm;margin-bottom:.0001pt;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;">1,968</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:0cm;margin-bottom:.0001pt;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;">1,928</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,529</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,808</font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-43</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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</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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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;"><a name="XBRL_TS_38153458d6cd4d33bade77242"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The Group
has carried out an analysis of its recovery of deferred tax assets and
liabilities taking into account the impact of COVID-19 pandemic (see Note 1.5)
in the Group's consolidated Financial Statements as of June 30, 2020, and in
the projections of taxable income in the coming years, without any relevant
effects on the recognition of deferred tax assets and liabilities, as of June
30, 2020.</font></font><a name="XBRL_TS_38153458d6cd4d33bade77242_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="_Toc298431725"></a><a name="_Toc299029461"></a><a name="_Toc299031543"></a><a name="_Toc299032882"></a><a name="_Toc331260323"></a><a name="XBRL_TS_89087502340548909fc9adca8"></a><a name="_Toc256000064"></a><a name="_Toc412809680"></a><a name="_Toc413086320"></a><a name="_Toc413844088"></a><a name="_Toc416090650"></a><a name="_Toc416090832"></a><a name="_Toc416098243"></a><a name="_Toc416186924"></a><a name="_Toc416187041"></a><a name="_Toc418062381"></a><a name="_Toc480811305"></a><a name="_Toc489357344"></a><a name="_Toc489357523"></a><a name="_Toc489875598"></a><a name="_Toc508358981"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">19.&#160;&#160;&#160;
Other assets and liabilities</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: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%;">The breakdown of the balance under
these headings in the accompanying consolidated balance sheets is as follows:</font></font><a name="XBRL_TS_89087502340548909fc9adca8_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_012_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other assets
  and liabilities (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">ASSETS</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Inventories</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">615</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:0cm;margin-bottom:.0001pt;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;">581</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Transactions in
  progress</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">165</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:0cm;margin-bottom:.0001pt;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;">138</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accruals</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">929</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:0cm;margin-bottom:.0001pt;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;">804</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other items</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">2,651</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:0cm;margin-bottom:.0001pt;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;">2,277</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=47% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total assets</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,360</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,800</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">LIABILITIES</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:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Transactions in
  progress</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">98</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:0cm;margin-bottom:.0001pt;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;">39</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accruals</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">2,040</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:0cm;margin-bottom:.0001pt;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;">2,456</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other items</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">1,969</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:0cm;margin-bottom:.0001pt;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;">1,247</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=47% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total
  liabilities</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,107</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,742</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:avoid;text-align:justify;"><a name="XBRL_TS_1410a071434b4457a07cbab69"></a><a name="_Toc256000065"></a><a name="_Toc480811306"></a><a name="_Toc489357345"></a><a name="_Toc489357524"></a><a name="_Toc489875599"></a><a name="_Toc508358982"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">20.&#160;&#160;&#160;
Non-current assets and disposal groups classified as held for sale</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: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%;">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_1410a071434b4457a07cbab69_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_013_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:18.75pt;">
  <td width=64% style="background:#E9E9E9;height:18.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-current
  assets and disposal groups classified as held for sale. Breakdown by items
  (Millions of Euros)</font></font></p>
  </td>
 <td width=18% style="background:#E9E9E9;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="background:#E9E9E9;height:18.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td nowrap width=64% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Foreclosures
  and recoveries</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,487</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,647</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Assets from
  tangible assets</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">300</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">310</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Business sale -
  Assets (*)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,728</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,716</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other assets
  classified as held for sale (**)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">279</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accrued
  amortization (***)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(54)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(51)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment
  losses </font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(534)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(543)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,205</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,079</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;page-break-after:avoid;text-align:left;text-indent:0cm;"><a name="XBRL_TS_b19a765314d64bf89a2849d3f"></a><a name="XBRL_FS_cfd21aaa4654472d924c51868"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)&#160;&#160;&#160;&#160;&#160;&#160; It
includes mainly BBVA&#8217;s stake in BBVA Paraguay (see Note 3).</font></font><a name="XBRL_FS_cfd21aaa4654472d924c51868_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;text-indent:0cm;"><a name="XBRL_FS_af127ab7e5f24c6f9d7d0bf3e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(**)&#160;&#160;&#160;&#160; It includes mainly the agreement for the alliance with
Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A (see Note 3).</font></font><a name="XBRL_FS_af127ab7e5f24c6f9d7d0bf3e_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;text-indent:0cm;"><a name="XBRL_FS_c6b2651cd1bb40dfbbfebf138"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(***)&#160;&#160; Accumulated amortization until related asset was
reclassified as &#8220;Non-current assets and disposal groups held for sale&#8221;.</font></font><a name="XBRL_FS_c6b2651cd1bb40dfbbfebf138_bclEnd"></a><a name="XBRL_TS_b19a765314d64bf89a2849d3f_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="_Toc298431726"></a><a name="_Toc299029462"></a><a name="_Toc299031544"></a><a name="_Toc299032883"></a><a name="_Toc331260324"></a><a name="XBRL_TS_0fab8574a2a2460c86832a6c3"></a><a name="_Toc256000066"></a><a name="_Toc412809681"></a><a name="_Toc413086321"></a><a name="_Toc413844089"></a><a name="_Toc416090651"></a><a name="_Toc416090833"></a><a name="_Toc416098244"></a><a name="_Toc416186925"></a><a name="_Toc416187042"></a><a name="_Toc418062382"></a><a name="_Toc480811307"></a><a name="_Toc489357346"></a><a name="_Toc489357525"></a><a name="_Toc489875600"></a><a name="_Toc508358983"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-44</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_123"></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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">21.&#160;&#160;&#160; Financial liabilities at amortized cost</font></b></font><a name="_Toc256000094"></a><a name="_Toc256000033"></a><a name="_Toc37142364"></a><a name="_Toc256000034"></a><a name="_Toc37142365"></a><a name="_Toc256000035"></a><a name="_Toc37142366"></a><a name="_Toc256000036"></a><a name="_Toc37142367"></a><a name="_Toc256000037"></a><a name="_Toc37142368"></a><a name="_Toc256000038"></a><a name="_Toc37142369"></a><a name="_Toc256000039"></a><a name="_Toc37142370"></a><a name="_Toc256000040"></a><a name="_Toc37142371"></a><a name="_Toc256000041"></a><a name="_Toc37142372"></a></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">21.1&#160;&#160;&#160; Breakdown of the balance</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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_0fab8574a2a2460c86832a6c3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_22_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  liabilities measured at amortized cost (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=20% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deposits</font></font></p>
  </td>
 <td width=20% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">481,207</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">438,919</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deposits from central
  banks</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">46,667</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">25,950</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Demand
  deposits</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">285</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">23</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Time deposits
  and other (*)</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">41,040</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">25,101</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Repurchase
  agreements</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">5,341</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">826</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deposits from
  credit institutions</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">32,356</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">28,751</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Demand
  deposits</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">9,553</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">7,161</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Time deposits
  and other </font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">19,062</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">18,896</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Repurchase
  agreements</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">3,742</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">2,693</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Customer
  deposits</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">402,184</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">384,219</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Demand
  deposits (**)</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">308,212</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">280,391</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Time deposits
  and other </font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">93,671</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">103,293</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Repurchase
  agreements</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">301</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">535</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt
  certificates</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">64,421</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">63,963</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other financial
  liabilities</font></font></p>
  </td>
 <td width=20% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">14,085</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13,758</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=47% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td width=20% style="background:#5AC4C4;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">559,713</font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">516,641</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;page-break-after:avoid;text-align:justify;text-indent:0cm;"><a name="XBRL_TS_d779dfa130ca4945907ef2941"></a><a name="XBRL_FS_86b856c6649d4765a693a9e7f"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)&#160;&#160; The
variation corresponds mainly to the increase in time deposits of BBVA, S.A. in
the European Central Bank through the financing program TLTRO III.</font></font><a name="XBRL_FS_86b856c6649d4765a693a9e7f_bclEnd"></a></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;text-indent:0cm;"><a name="XBRL_FS_9d87fa1e15234fdd8d50443fd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(**)&#160; The
variation corresponds mainly to the increase in customer demand deposits in
BBVA, S.A.</font></font><a name="XBRL_FS_9d87fa1e15234fdd8d50443fd_bclEnd"></a></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">21.2&#160;&#160;&#160; Deposits from credit institutions</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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_d779dfa130ca4945907ef2941_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_003junB_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deposits from
  credit institutions. June 2020 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td width=36% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Demand deposits</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Time deposits &amp; other(*)</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Repurchase agreements</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=36% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Spain</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,017</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,466</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,483</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The United
  States</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,990</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,238</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,228</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Mexico</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">354</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">557</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">84</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">995</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Turkey</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">192</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">493</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">28</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">713</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">South America</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">421</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,779</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,205</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,965</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,778</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,624</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12,367</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of the
  world</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">613</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,751</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,364</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=36% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,553</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">19,062</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,742</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">32,356</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:6.0pt;text-align:left;text-indent:0cm;"><a name="XBRL_FS_788cb383d5ea4f33b1c93d225"></a><a name="XBRL_TS_58918ebbbd3045dab7c3d16c6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)
Subordinated deposits are included amounting to &#8364;196 million</font></font><a name="XBRL_FS_788cb383d5ea4f33b1c93d225_bclEnd"></a><a name="XBRL_TS_58918ebbbd3045dab7c3d16c6_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-45</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_124"></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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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_22_004B_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Deposits from credit institutions. December 2019 (Millions of
  Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:21.0pt;">
  <td width=36% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Demand deposits </font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Time deposits &amp; other (*)</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Repurchase agreements</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Spain</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,104</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,113</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1</font></font></p>
  </td>
 <td nowrap width=16% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,218</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The United
  States</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,082</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,295</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,377</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Mexico</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">432</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,033</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">168</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,634</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Turkey</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">302</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">617</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">924</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">South America</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">394</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,285</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">161</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,840</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of Europe</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,652</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,180</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,358</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,190</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of the
  world</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">194</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,374</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=16% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,568</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=36% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">7,161</font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">18,896</font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,693</font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">28,751</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:6.0pt;text-align:left;text-indent:0cm;"><a name="XBRL_TS_b0b6ba00971f4595bd315b774"></a><a name="XBRL_FS_e2710989ffbe4118b238f5481"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)
Subordinated deposits are included amounting to &#8364;195 million</font></font><a name="XBRL_FS_e2710989ffbe4118b238f5481_bclEnd"></a></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">21.3&#160;&#160;&#160; Customer deposits</font></b></font></h2>

<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="_Toc298431727"></a><a name="_Toc299029463"></a><a name="_Toc299031545"></a><a name="_Toc299032884"></a><a name="_Toc331260325"></a><a name="_Toc256000095"></a><a name="_Toc480811308"></a><a name="_Toc489357347"></a><a name="_Toc489357526"></a><a name="_Toc489875601"></a><a name="_Toc508358988"></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%;">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_b0b6ba00971f4595bd315b774_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_011junB_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Customer
  deposits. June 2020 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=36% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Demand deposits</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Time deposits &amp; other</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Repurchase agreements</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Spain</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:0cm;margin-bottom:.0001pt;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;">158,036</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:0cm;margin-bottom:.0001pt;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;">22,226</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:0cm;margin-bottom:.0001pt;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;">3</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:0cm;margin-bottom:.0001pt;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;">180,265</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The United
  States</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:0cm;margin-bottom:.0001pt;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;">56,222</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:0cm;margin-bottom:.0001pt;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;">19,498</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">75,720</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Mexico</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:0cm;margin-bottom:.0001pt;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;">39,161</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:0cm;margin-bottom:.0001pt;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;">11,584</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:0cm;margin-bottom:.0001pt;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;">95</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:0cm;margin-bottom:.0001pt;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;">50,840</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Turkey</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:0cm;margin-bottom:.0001pt;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;">17,696</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:0cm;margin-bottom:.0001pt;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;">17,522</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:0cm;margin-bottom:.0001pt;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;">203</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:0cm;margin-bottom:.0001pt;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;">35,421</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">South America</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:0cm;margin-bottom:.0001pt;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;">26,510</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:0cm;margin-bottom:.0001pt;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;">13,012</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">39,522</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of Europe</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:0cm;margin-bottom:.0001pt;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;">9,644</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:0cm;margin-bottom:.0001pt;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;">9,418</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">19,062</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of the
  world</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:0cm;margin-bottom:.0001pt;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;">943</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:0cm;margin-bottom:.0001pt;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;">411</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">1,354</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">308,212</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">93,671</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">301</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">402,184</font></b></font></p>
  </td>
 </tr>
</table></div>



<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:8.0pt;line-height:115%;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_22_008B_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=5 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Customer
  deposits. December 2019 (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:40.5pt;">
  <td width=36% style="border:none;border-bottom:solid black 1.0pt;height:40.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Demand deposits</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Time deposits and other (*)</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Repurchase agreements</font></b></font></p>
  </td>
 <td width=16% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Spain</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:0cm;margin-bottom:.0001pt;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;">146,651</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:0cm;margin-bottom:.0001pt;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;">24,958</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:0cm;margin-bottom:.0001pt;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;">2</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:0cm;margin-bottom:.0001pt;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;">171,611</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The United
  States</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:0cm;margin-bottom:.0001pt;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;">46,372</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:0cm;margin-bottom:.0001pt;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;">19,810</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">66,181</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Mexico</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:0cm;margin-bottom:.0001pt;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;">43,326</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:0cm;margin-bottom:.0001pt;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;">12,714</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:0cm;margin-bottom:.0001pt;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;">523</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:0cm;margin-bottom:.0001pt;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;">56,564</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Turkey</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:0cm;margin-bottom:.0001pt;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;">13,775</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:0cm;margin-bottom:.0001pt;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;">22,257</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:0cm;margin-bottom:.0001pt;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;">10</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:0cm;margin-bottom:.0001pt;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;">36,042</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">South America</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:0cm;margin-bottom:.0001pt;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;">22,748</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:0cm;margin-bottom:.0001pt;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;">13,913</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">36,661</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of Europe</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:0cm;margin-bottom:.0001pt;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;">6,610</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:0cm;margin-bottom:.0001pt;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;">8,749</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">15,360</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=36% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Rest of the
  world</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:0cm;margin-bottom:.0001pt;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;">909</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:0cm;margin-bottom:.0001pt;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;">892</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:0cm;margin-bottom:.0001pt;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;">-</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:0cm;margin-bottom:.0001pt;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;">1,801</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=36% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total </font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">280,391</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">103,293</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">535</font></b></font></p>
  </td>
 <td width=16% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">384,219</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:6.0pt;text-align:left;text-indent:0cm;"><a name="XBRL_TS_720134b1a0894fd5860937580"></a><a name="XBRL_FS_74eb780d3a7f4b3db7523bda5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)
Subordinated deposits are included amounting to &#8364;189 million</font></font><a name="XBRL_FS_74eb780d3a7f4b3db7523bda5_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;">&nbsp;</h2>
<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-46</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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">

<DIV bclHeader>


<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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:avoid;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;">21.4&#160;&#160;&#160; Debt
certificates</font></b></font></h2>

<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 face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;line-height:115%;">The breakdown of the balance under
this heading, by financial instruments and by currency, is as follows:</font></font><a name="XBRL_TS_720134b1a0894fd5860937580_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_22.4_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Debt
  certificates (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.75pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:27.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">In Euros</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:0cm;margin-bottom:.0001pt;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;">42,329</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:0cm;margin-bottom:.0001pt;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;">40,185</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Promissory
  bills and notes</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">718</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">737</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-convertible
  bonds and debentures</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:0cm;margin-bottom:.0001pt;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;">14,472</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:0cm;margin-bottom:.0001pt;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;">12,248</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Covered bonds</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:0cm;margin-bottom:.0001pt;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;">15,232</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:0cm;margin-bottom:.0001pt;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;">15,542</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Hybrid
  financial instruments</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:0cm;margin-bottom:.0001pt;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;">405</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:0cm;margin-bottom:.0001pt;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;">518</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Securitization
  bonds</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:0cm;margin-bottom:.0001pt;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;">2,900</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:0cm;margin-bottom:.0001pt;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;">1,354</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Wholesale
  funding</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:0cm;margin-bottom:.0001pt;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;">1,132</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:0cm;margin-bottom:.0001pt;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;">1,817</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Subordinated liabilities</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:0cm;margin-bottom:.0001pt;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;">7,470</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:0cm;margin-bottom:.0001pt;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;">7,968</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Convertible
  perpetual certificates</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">3,500</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">5,000</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Convertible
  subordinated debt</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">-</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Non-convertible
  preferred stock</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">79</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">83</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other
  non-convertible subordinated liabilities</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">3,891</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">2,885</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">In foreign currencies</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:0cm;margin-bottom:.0001pt;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;">22,092</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:0cm;margin-bottom:.0001pt;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;">23,778</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Promissory
  bills and notes</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,059</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,210</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-convertible
  bonds and debentures</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:0cm;margin-bottom:.0001pt;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;">10,364</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:0cm;margin-bottom:.0001pt;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;">10,587</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Covered bonds</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:0cm;margin-bottom:.0001pt;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;">279</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:0cm;margin-bottom:.0001pt;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;">362</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Hybrid
  financial instruments</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:0cm;margin-bottom:.0001pt;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;">656</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:0cm;margin-bottom:.0001pt;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;">1,156</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Securitization
  bonds</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:0cm;margin-bottom:.0001pt;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;">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:0cm;margin-bottom:.0001pt;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;">17</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Wholesale
  funding</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:0cm;margin-bottom:.0001pt;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;">512</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:0cm;margin-bottom:.0001pt;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;">780</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Subordinated
  liabilities</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:0cm;margin-bottom:.0001pt;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;">9,218</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:0cm;margin-bottom:.0001pt;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;">9,666</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Convertible
  perpetual certificates</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">1,788</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">1,782</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Convertible
  subordinated debt</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">-</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Non-
  convertible preferred stock</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">53</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">76</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other
  non-convertible subordinated liabilities</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">7,377</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:0cm;margin-bottom:.0001pt;text-align:right;"><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;">7,808</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=64% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&#160; Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">64,421</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">63,963</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;"><a name="XBRL_TS_293304bd8d1a4d20891caabfd"></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%;">Most of the
foreign currency issues are denominated in U.S. dollars.</font></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">21.5&#160;&#160;&#160; Other financial liabilities</font></b></font></h2>

<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;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;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_293304bd8d1a4d20891caabfd_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_22.5_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  financial liabilities (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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Lease liabilities</font></font></p>
  </td>
 <td nowrap width=22% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,129</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:0cm;margin-bottom:.0001pt;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;">3,335</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Creditors for
  other financial liabilities</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,887</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:0cm;margin-bottom:.0001pt;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;">2,623</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Collection
  accounts</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">3,532</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:0cm;margin-bottom:.0001pt;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;">3,306</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=57% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Creditors for
  other payment obligations</font></font></p>
  </td>
 <td nowrap width=22% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">4,538</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:0cm;margin-bottom:.0001pt;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;">4,494</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=57% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=22% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">14,085</font></b></font></p>
  </td>
 <td nowrap width=21% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">13,758</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:avoid;text-align:justify;"><a name="XBRL_TS_c36eb2c611014fbb91126086b"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-47</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">22.&#160;&#160;&#160;
Assets and liabilities under insurance and reinsurance contracts</font></b></font></p>

<p style="border:none;margin:0cm;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:8.0pt;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. As of June 30, 2020 and December 31, 2019,
the balance under this heading amounted to &#8364;332 million and &#8364;341 million,
respectively.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;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></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The breakdown of the balance under
the heading &#8220;Liabilities under reinsurance and insurance contracts&#8221; is as
follows:</font></font><a name="XBRL_TS_c36eb2c611014fbb91126086b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_23.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Liabilities
  under insurance and reinsurance contracts</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Mathematical
  reserves (*)</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:0cm;margin-bottom:.0001pt;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;">8,310</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:0cm;margin-bottom:.0001pt;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;">9,247</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Provision for
  unpaid claims reported</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:0cm;margin-bottom:.0001pt;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;">652</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:0cm;margin-bottom:.0001pt;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;">641</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Provisions for
  unexpired risks and other provisions</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:0cm;margin-bottom:.0001pt;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;">500</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:0cm;margin-bottom:.0001pt;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;">718</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">9,462</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">10,606</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_FS_5cf34e634df745e598e21abe3"></a><a name="XBRL_TS_34f0cbf8d9a047aeb060cb4a2"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)&#160;&#160;&#160; The variation
corresponds mainly to the decrease in Mexico.</font></font><a name="XBRL_FS_5cf34e634df745e598e21abe3_bclEnd"></a><a name="XBRL_TS_34f0cbf8d9a047aeb060cb4a2_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="_Toc298431728"></a><a name="_Toc299029464"></a><a name="_Toc299031546"></a><a name="_Toc299032885"></a><a name="_Toc331260326"></a><a name="XBRL_TS_597acd0522574701b9e673658"></a><a name="_Toc256000096"></a><a name="_Toc412809683"></a><a name="_Toc413086323"></a><a name="_Toc413844091"></a><a name="_Toc416090653"></a><a name="_Toc416090835"></a><a name="_Toc416098246"></a><a name="_Toc416186927"></a><a name="_Toc416187044"></a><a name="_Toc418062384"></a><a name="_Toc480811309"></a><a name="_Toc489357348"></a><a name="_Toc489357527"></a><a name="_Toc489875602"></a><a name="_Toc508358989"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">23.&#160;&#160;&#160;
Provisions</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: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%;">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_597acd0522574701b9e673658_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_23_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Provisions.
  Breakdown by concepts (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Provisions for
  pensions and similar obligations</font></font></p>
  </td>
 <td width=18% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">4,427</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:0cm;margin-bottom:.0001pt;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;">4,631</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other long term
  employee benefits</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">53</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:0cm;margin-bottom:.0001pt;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;">61</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Provisions for
  taxes and other legal contingencies</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6.1</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:0cm;margin-bottom:.0001pt;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;">738</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:0cm;margin-bottom:.0001pt;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;">677</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Provisions for
  contingent risks and commitments</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30</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:0cm;margin-bottom:.0001pt;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;">774</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:0cm;margin-bottom:.0001pt;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;">711</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  provisions (*)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">502</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:0cm;margin-bottom:.0001pt;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;">457</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=46% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,494</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,538</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:6.0pt;text-align:left;text-indent:0cm;"><a name="XBRL_TS_f2f734ff37b94f7e8ef25390a"></a><a name="XBRL_FS_6605c1865b2b4e1cb7d810173"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)
Individually insignificant provisions or contingencies, for various concepts in
different geographies.</font></font><a name="XBRL_FS_6605c1865b2b4e1cb7d810173_bclEnd"></a></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">Ongoing legal proceedings and litigation</font></b></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">The financial sector faces an environment of increased regulatory
pressure and litigation. In this environment, the various Group entities are
often sued on lawsuits and are therefore involved in individual or collective
legal proceedings and litigation arising from their activity and operations,
including proceedings arising from their lending activity, from their </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-GB style="font-size:8.0pt;line-height:115%;">labour</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:115%;"> relations and from other
commercial, regulatory or tax issues, as well as in arbitration.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">On the basis of the information available, the Group considers
that, at June 30, 2020, the provisions made in relation to judicial proceedings
and arbitration, where so required, are adequate and reasonably cover the
liabilities that might arise, if any, from such proceedings. Furthermore, on
the basis of the information available and with the exceptions indicated in
Note 6.1 &quot;Risk factors&quot;, BBVA considers that the liabilities that may
arise from such proceedings will not have, on a case-by-case basis, a significant
adverse effect on the Group's business, financial situation or results of
operations.</font></font><a name="XBRL_TS_f2f734ff37b94f7e8ef25390a_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_cf63e6ee11b94e63bc6732ad3"></a><a name="_Toc256000097"></a><a name="_Toc412809684"></a><a name="_Toc413086324"></a><a name="_Toc413844092"></a><a name="_Toc416090654"></a><a name="_Toc416090836"></a><a name="_Toc416098247"></a><a name="_Toc416186928"></a><a name="_Toc416187045"></a><a name="_Toc418062385"></a><a name="_Toc480811310"></a><a name="_Toc489357349"></a><a name="_Toc489357528"></a><a name="_Toc489875603"></a><a name="_Toc508358990"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-48</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">24.&#160;&#160;&#160;
Pension and other post-employment commitments</font></b></font></p>

<p style="border:none;margin:0cm;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:8.0pt;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 of the defined benefit plans are for individuals already
retired, and are closed to new employees, the most significant being those in
Spain, Mexico, the United States and Turkey. In Mexico, the Group provides
post-retirement 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:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;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:8.0pt;line-height:115%;">The amounts relating to
post-employment benefits charged to the profit and loss account and other
comprehensive income for the six month periods ended June 30, 2020 and 2019 are
as follows:</font></font><a name="XBRL_TS_cf63e6ee11b94e63bc6732ad3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_023_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Condensed
  consolidated income statement impact (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=48% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=48% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Interest income
  and expense</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">25</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">38</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=48% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Personnel
  expense</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">76</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">79</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=48% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Defined contribution
  plan expense</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">39.1</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">49</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">55</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=48% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Defined benefit
  plan expense</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">39.1</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">27</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">24</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=48% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Provisions, net</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:0cm;margin-bottom:.0001pt;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;">41</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:0cm;margin-bottom:.0001pt;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;">145</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:0cm;margin-bottom:.0001pt;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;">127</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=48% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total: expense
  (income)</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">247</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">244</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:avoid;text-align:justify;"><a name="XBRL_TS_c3e004e06b2e445692dab6481"></a><a name="_Toc256000098"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">25.&#160;&#160;&#160;
Capital</font></b></font></p>

<p style="border:none;margin:0cm;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:8.0pt;line-height:115%;">As of June 30, 2020 and December 31, 2019, BBVA&#8217;s share capital
amounted to &#8364;3,267,264,424.20 divided into 6,667,886,580 fully subscribed and
paid-up registered shares, all of the same class and series, at &#8364;0.49 par value
each, represented through book-entry accounts. All of the Bank&#180;s 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 <a name="_Toc298431731"></a><a name="_Toc299029467"></a><a name="_Toc299031549"></a><a name="_Toc299032888"></a><a name="_Toc331260329"></a><a name="_Toc412809686"></a><a name="_Toc413086326"></a><a name="_Toc413844094"></a><a name="_Toc416090656"></a><a name="_Toc416090838"></a><a name="_Toc416098249"></a>capital.</font></font></p>

<p style="border:none;margin:0cm;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:8.0pt;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. BBVA is not aware of any
agreement that could give rise to changes in the control of the Bank.</font></font><a name="XBRL_TS_c3e004e06b2e445692dab6481_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="_Toc331260330"></a><a name="_Toc299032889"></a><a name="_Toc299031550"></a><a name="_Toc299029468"></a><a name="_Toc298431732"></a><a name="XBRL_TS_7fd1cf4e0f7a4b9c8ca28a83c"></a><a name="_Toc508358992"></a><a name="_Toc489875605"></a><a name="_Toc489357530"></a><a name="_Toc489357351"></a><a name="_Toc480811312"></a><a name="_Toc256000099"></a><a name="Nota_29"></a><a name="Nota_29_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">26.&#160;&#160;&#160;
Retained earnings and other reserves</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: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%;">The breakdown of the balance under
this heading in the accompanying consolidated balance sheet is as follows:</font></font><a name="XBRL_TS_7fd1cf4e0f7a4b9c8ca28a83c_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_25_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Retained
  earnings and other reserves&#160; (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Retained
  earnings</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:0cm;margin-bottom:.0001pt;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;">30,589</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:0cm;margin-bottom:.0001pt;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;">29,388</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other reserves </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:0cm;margin-bottom:.0001pt;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;">(160)</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:0cm;margin-bottom:.0001pt;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;">(119)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">30,429</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">29,268</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 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:14.0pt;margin-left:0cm;margin-right:0cm;margin-top:14.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc298431734"></a><a name="_Toc299029470"></a><a name="_Toc299031552"></a><a name="_Toc299032891"></a><a name="_Toc331260332"></a><a name="XBRL_TS_706eb8bdbfd44272855af6d14"></a><a name="_Toc256000100"></a><a name="_Toc480811313"></a><a name="_Toc489357352"></a><a name="_Toc489357531"></a><a name="_Toc489875606"></a><a name="_Toc508358993"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-49</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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-AU style="font-size:11.0pt;">27.&#160;&#160;&#160; Accumulated other comprehensive income</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: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%;">The breakdown of the balance under
this heading in the accompanying consolidated balance sheet is as follows:</font></font><a name="XBRL_TS_706eb8bdbfd44272855af6d14_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_030_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Accumulated
  other comprehensive income. Breakdown by concepts (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Items that
  will not be reclassified to profit or loss</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(2,253)</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,875)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Actuarial gains
  (losses) on defined benefit pension plans</font></font></p>
  </td>
 <td width=18% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,381)</font></font></p>
  </td>
 <td width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(1,498)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-current
  assets and disposal groups classified as held for sale</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&#160;Share of other
  recognized income and expense of investments in subsidiaries, joint ventures
  and associates</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value
  changes of equity instruments measured at fair value through other
  comprehensive income</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12.4</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(940)</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(403)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Hedge
  ineffectiveness of fair value hedges for equity instruments measured at fair
  value through other comprehensive income</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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=18% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">67</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">24</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Items that
  may be reclassified to profit or loss</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(10,570)</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(8,351)</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Hedge of net investments
  in foreign operations (effective portion)</font></font></p>
  </td>
 <td width=18% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(312)</font></font></p>
  </td>
 <td width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(896)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Foreign
  currency translation </font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(12,351)</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(9,147)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Hedging
  derivatives. Cash flow hedges (effective portion)</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">308</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(44)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fair value
  changes of debt instruments measured at fair value through other
  comprehensive income</font></font></p>
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">12.4</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,830</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,760</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Hedging
  instruments (non-designated items)</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=46% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-current
  assets and disposal groups classified as held for sale</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(27)</font></font></p>
  </td>
 <td width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(18)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Share of other recognized
  income and expense of investments in subsidiaries, joint ventures and
  associates</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(19)</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=46% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(12,822)</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(10,226)</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_TS_2b207e562de8493b9f3e6e1ef"></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%;">The balances
recognized under these headings are presented net of tax.</font></font><a name="XBRL_TS_2b207e562de8493b9f3e6e1ef_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:avoid;text-align:justify;"><a name="XBRL_TS_bd0396d773064e189ee99f801"></a><a name="_Toc298431735"></a><a name="_Toc299029471"></a><a name="_Toc299031553"></a><a name="_Toc299032892"></a><a name="_Toc331260333"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-50</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_129"></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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">28.&#160;&#160;&#160;
Non-controlling interest</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:avoid;text-align:justify;"><a name="Nota_33"></a><a name="Nota_33_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The table below is a 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_bd0396d773064e189ee99f801_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_031_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-controlling
  interests: breakdown by subgroups (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Garanti BBVA</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:0cm;margin-bottom:.0001pt;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;">3,988</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:0cm;margin-bottom:.0001pt;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;">4,240</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Peru</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:0cm;margin-bottom:.0001pt;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;">1,222</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:0cm;margin-bottom:.0001pt;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;">1,334</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Argentina</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:0cm;margin-bottom:.0001pt;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;">439</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:0cm;margin-bottom:.0001pt;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;">422</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Colombia</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:0cm;margin-bottom:.0001pt;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;">65</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:0cm;margin-bottom:.0001pt;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;">76</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Venezuela</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:0cm;margin-bottom:.0001pt;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;">66</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:0cm;margin-bottom:.0001pt;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;">71</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other entities</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:0cm;margin-bottom:.0001pt;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;">55</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:0cm;margin-bottom:.0001pt;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;">57</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">5,836</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">6,201</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_ed7d42036a274c48986f3be93"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">These amounts are broken down by groups of consolidated entities
under the heading &#8220;Profit for the year- Attributable to minority interests
(non-controlling interest)&#8221; in the accompanying consolidated income statements:</font></font><a name="XBRL_TS_ed7d42036a274c48986f3be93_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_notasbalancejun_031.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Profit
  attributable to non-controlling interests (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#44546A face=Arial,sans-serif style="border:none;"><b><font color=#44546A face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Garanti BBVA</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:0cm;margin-bottom:.0001pt;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;">274</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:0cm;margin-bottom:.0001pt;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;">291</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Peru</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:0cm;margin-bottom:.0001pt;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;">39</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:0cm;margin-bottom:.0001pt;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;">115</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Argentina</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:0cm;margin-bottom:.0001pt;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;">18</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:0cm;margin-bottom:.0001pt;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;">60</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Colombia</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:0cm;margin-bottom:.0001pt;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;">2</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:0cm;margin-bottom:.0001pt;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;">5</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">BBVA Venezuela</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:0cm;margin-bottom:.0001pt;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;">(2)</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:0cm;margin-bottom:.0001pt;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;">2</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other entities</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:0cm;margin-bottom:.0001pt;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;">3</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:0cm;margin-bottom:.0001pt;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;">2</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">333</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">475</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:avoid;text-align:justify;"><a name="XBRL_TS_91e0f799727442cf8a2d69743"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-51</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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: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 lines-together no-line-numbers;text-align:justify;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US 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:11.0pt;">29.&#160;&#160;&#160;
Capital base and capital management</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:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The eligible capital instruments and the risk-weighted assets of
the Group (phased in) are shown below, calculated in accordance with the
applicable regulation, considering the entities in scope required by such
regulation, as of June 30, 2020 and December 31, 2019</font></font><a name="XBRL_TS_91e0f799727442cf8a2d69743_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_32_008B_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif style="font-size:8.0pt;">Capital ratios
  (phased-in)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020 (*)</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Eligible Common
  Equity Tier 1 capital (millions of Euros) (a)</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">42,118</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">43,653</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Eligible
  Additional Tier 1 capital (millions of Euros) (b)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">6,067</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">6,048</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Eligible Tier 2
  capital (millions of Euros) (c)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">9,345</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">8,304</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Risk Weighted
  Assets (millions of Euros) (d)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">362,050</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">364,448</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Common Tier 1 capital
  ratio (CET 1) (A)=(a)/(d)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11.63%</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11.98%</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Additional Tier
  1 capital ratio (AT 1) (B)=(b)/(d)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1.68%</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1.66%</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Tier 1 capital ratio
  (Tier 1) (A)+(B)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">13.31%</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">13.64%</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Tier 2 capital ratio
  (Tier 2) (C)=(c)/(d)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2.58%</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2.28%</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=64% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total capital ratio (A)+(B)+(C)</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">15.89%</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">15.92%</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;text-indent:0cm;"><a name="XBRL_TS_fd7e0636956c4e8a981f0c6b6"></a><a name="XBRL_FS_d76cd520fc5a45c6b5e2be42e"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(*) Provisional
data</font></font><a name="XBRL_FS_d76cd520fc5a45c6b5e2be42e_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-AU style="font-size:8.0pt;line-height:115%;">The uncertainty
caused by the COVID-19 pandemic has led to a significant fluctuation in asset
prices in the financial markets, accompanied by a sharp increase in volatility;
the stock exchanges have experienced falls in response to the impact of the
crisis on corporate earnings and the increase in risk aversion that has also
spread to the debt markets, as well as the evolution of exchange rates. All
this has caused a negative impact on the Group's capital ratios until June 30,
2020. However, during the second quarter of the year, the stability of the
financial markets, largely motivated by the stimulus measures for the economy
announced by the different national and supranational authorities, have
partially recovered the shocks produced in asset prices and the volatility has
been reduced, which has had a positive contribution in the capital ratios
during the last quarter.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">In addition, the
approval by the European Parliament and the Council of Regulation 2020/873
(known as &#8220;CRR Quick Fix&#8221;), amending both Regulation 575/2013 (Capital
Requirement Regulation (CRR)) and Regulation 2019/876 (Capital Requirement
Regulation 2 (CRR2)) has contributed positively to the capital ratios.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">As of June 30,
2020, the CET 1 ratio stood at 11.63%, which represents a reduction of 34 basis
points compared to December 31, 2019.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The additional
Tier 1 capital (AT1) stood at 1.68% at the end of June 2020, remaining at
similar levels than previous quarters, while the Tier 2 ratio increased by 30
basis points to 2.58% explained partly by the new Tier 2 instruments issued by
the Group during the first half of the 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-AU style="font-size:8.0pt;line-height:115%;">As a result, the
total capital ratio stood at 15.89%, remaining at a similar level to that of
December 2019.</font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:0cm;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The risk-weighted
assets during the first six months of the year, affected by the evolution of
exchange rates decreased by approximately &#8364;2,400 million.</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-AU style="font-size:8.0pt;line-height:115%;">The breakdown of the leverage ratio as of June 30, 2020 and
December 31, 2019, calculated according to CCR, is as follows:</font></font><a name="XBRL_TS_fd7e0636956c4e8a981f0c6b6_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_32_007junB_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif style="font-size:8.0pt;">Leverage ratio</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020 (*)</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=64% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Tier 1
  (millions of Euros) (a)</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">48,185</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">49,701</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Exposure to
  leverage ratio (millions of Euros) (b)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">771,590</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">731,087</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=64% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Leverage ratio (a)/(b)
  (percentage)</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">6.24%</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">6.80%</font></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;text-indent:0cm;"><a name="XBRL_FS_34126574bec64485b10dbe375"></a><a name="XBRL_TS_bd4b8dd7bd124c8bbbcb2b694"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(*)
Provisional data</font></font><a name="XBRL_FS_34126574bec64485b10dbe375_bclEnd"></a><a name="XBRL_TS_bd4b8dd7bd124c8bbbcb2b694_bclEnd"></a></p>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



<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_6238e808aaa44fd09259b51d7"></a><a name="_Toc331260337"></a><a name="_Toc299032896"></a><a name="_Toc299031557"></a><a name="_Toc299029476"></a><a name="_Toc298431739"></a><a name="_Toc457382032"></a><a name="_Toc481574685"></a><a name="_Toc495479986"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-52</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_131"></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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:11.0pt;">30.&#160;&#160;&#160; Com</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:11.0pt;">mitments
and </font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">guarantees</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:11.0pt;"> given</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc331260338"></a><a name="_Toc299032897"></a><a name="_Toc299031558"></a><a name="_Toc299029477"></a><a name="_Toc298431740"></a><a name="_Toc457382033"></a><a name="_Toc481574686"></a><a name="_Toc495479987"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_6238e808aaa44fd09259b51d7_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_FINREP9jun_28_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Commitments
  and guarantees given (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td width=46% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Loan commitments
  given</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">6.2.2</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">134,494</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">130,923</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">Of which: defaulted</font></i></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">227</font></i></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">270</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Central banks</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">General governments</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2,897</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3,117</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">14,450</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,742</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other financial
  corporations </font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">4,955</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">4,578</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Non-financial
  corporations </font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">69,184</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">65,475</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Households </font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">43,008</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">46,011</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Financial guarantees
  given</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">6.2.2</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">10,989</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">10,984</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">Of which: defaulted
  (*)</font></i></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">261</font></i></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">224</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Central banks</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 5.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">General governments</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">109</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">125</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">427</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">995</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other financial
  corporations </font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">677</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">583</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Non-financial corporations</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">9,529</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">8,986</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Households </font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">247</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">295</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td valign=bottom width=46% style="border:none;border-bottom:solid black 1.0pt;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Other commitments
  given </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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">6.2.2</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">38,563</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">39,209</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">Of which: defaulted
  (*)</font></i></font></p>
  </td>
 <td nowrap width=20% style="border:none;height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">441</font></i></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">506</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Central banks</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">106</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">General governments</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,685</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">521</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,119</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,952</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other financial
  corporations</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3,924</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2,902</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Non-financial corporations</font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">27,535</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">29,682</font></i></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Households </font></font></p>
  </td>
 <td nowrap width=20% style="height:10.5pt;padding:0cm 18.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#787878 face=Arial,sans-serif style="border:none;"><i><font color=#787878 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">193</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">151</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td width=20% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">6.2.2</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">184,046</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">181,116</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;text-indent:0cm;"><a name="XBRL_TS_8a101f15b91344919a4ebc313"></a><a name="XBRL_FS_a3ddead01ee944eeaba1ccfa2"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)
Non-performing financial guarantees given amounted to &#8364;702 million and &#8364;730
million, respectively, as of June 30, 2020 and December 31, 2019, respectively.</font></font><a name="XBRL_FS_a3ddead01ee944eeaba1ccfa2_bclEnd"></a></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020, the provisions for loan commitments given,
financial guarantees given and other commitments given, recorded in the
consolidated balance sheet amounted &#8364;376 million, &#8364;167 million and &#8364;231
million, respectively (see Note 23).</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;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><a name="XBRL_TS_8a101f15b91344919a4ebc313_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_d5605785327349248778c3419"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">31.&#160;&#160; &#160;O</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:11.0pt;">ther
contingent assets and liabilities</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc331260341"></a><a name="_Toc299032900"></a><a name="_Toc299031561"></a><a name="_Toc299029480"></a><a name="_Toc298431743"></a><a name="_Toc457382036"></a><a name="_Toc481574689"></a><a name="_Toc495479990"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020 and December 31, 2019, there were no material
contingent assets or liabilities other than those disclosed in the accompanying
notes to the condensed interim consolidated Financial Statements.</font></font><a name="XBRL_TS_d5605785327349248778c3419_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_68ec998f77e74f25acc8d62a3"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">32. Net interest income</font></b></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">32.1&#160;&#160; &#160;Interest and other income</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The breakdown of the interest and
other income recognized in the accompanying consolidated income statement is as
follows:</font></font><a name="XBRL_TS_68ec998f77e74f25acc8d62a3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_001_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.45pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Interest and
  other income. Breakdown by origin (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:24.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets held for trading</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">711</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,071</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets designated at fair value through profit or loss</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">80</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">77</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at fair value through other comprehensive income</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">714</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">975</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at amortized cost</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,031</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">12,911</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Insurance activity</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">477</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">493</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Adjustments of
  income as a result of hedging transactions </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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(38)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other income</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">214</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">143</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">13,228</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">15,633</font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-53</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</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">

<DIV bclHeader>


<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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:avoid;text-align:justify;"><a name="XBRL_TS_e847d9e1af8343c1a3362697b"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">32.2&#160;&#160;&#160;
Interest expense</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc331260342"></a><a name="_Toc298431744"></a><a name="_Toc299032901"></a><a name="_Toc299031562"></a><a name="_Toc299029482"></a><a name="_Toc457382037"></a><a name="_Toc481574690"></a><a name="_Toc495479991"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_e847d9e1af8343c1a3362697b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_002_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Interest
  expense. Breakdown by origin (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  liabilities held for trading </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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">344</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">746</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  liabilities designated at fair value through profit or loss </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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">33</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  liabilities at amortized cost </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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3,891</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,613</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Adjustments of
  expense as a result of hedging transactions</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(176)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(136)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Insurance activity</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">324</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">338</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Cost
  attributable to pension funds</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">33</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">44</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other expense</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">82</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">4,574</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">6,691</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:avoid;text-align:justify;"><a name="XBRL_TS_133d0a0f0b2c4c1780893deb2"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">33.&#160;&#160;&#160; Dividend income</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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 34), as per the breakdown
below:</font></font><a name="XBRL_TS_133d0a0f0b2c4c1780893deb2_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_001.1_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.45pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Dividend
  income. Breakdown by headline (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td nowrap width=47% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=47% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-trading
  financial assets mandatorily at fair value through profit or loss</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7 </font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">25 </font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=47% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at fair value through other comprehensive income</font></font></p>
  </td>
 <td nowrap width=17% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">70</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">78 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=47% style="background:#5AC4C4;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">77</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">103</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:avoid;text-align:justify;"><a name="_Toc331260343"></a><a name="_Toc299032902"></a><a name="_Toc299031563"></a><a name="_Toc299029483"></a><a name="_Toc298431745"></a><a name="XBRL_TS_3110a6433c0248c9bc5b7dad9"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">34.&#160;&#160;&#160;
Share of profit or loss of entities accounted for using the equity method</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="Nota_42"></a><a name="Nota_42_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">Results from &#8220;Share of profit or loss of entities accounted for
using the equity method&#8221; resulted in a loss of &#8364;17 million for the six months
ended June 30, 2020, compared with the loss of &#8364;19 million recorded for the six
months ended June 30, 2019.</font></font><a name="XBRL_TS_3110a6433c0248c9bc5b7dad9_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_5e23c848432f43d1a639cdc31"></a><a name="_Toc331260344"></a><a name="_Toc299032903"></a><a name="_Toc299031564"></a><a name="_Toc299029484"></a><a name="_Toc298431746"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">35.&#160;&#160;&#160; Fee and commission income and expense</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc331260346"></a><a name="_Toc299032905"></a><a name="_Toc299031566"></a><a name="_Toc299029486"></a><a name="_Toc298431748"></a><a name="_Toc457382041"></a><a name="_Toc481574693"></a><a name="_Toc495479994"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The breakdown of the balance under these headings in the
accompanying consolidated income statements is as follows:</font></font><a name="XBRL_TS_5e23c848432f43d1a639cdc31_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_003_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fee and
  commission income. Breakdown by origin (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=47% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Bills receivables</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">17</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">19</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Demand accounts</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">265</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">232</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Credit and debit
  cards and ATMs</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,123</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,538</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Checks</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">71</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">100</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Transfers and other
  payment orders</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">368</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">393</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Insurance product
  commissions</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">76</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">90</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Loan commitments
  given</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">60</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  commitments and financial guarantees given</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">185</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">196</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Asset management</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">582</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">511</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Securities fees</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">199</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">158</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Custody securities</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">73</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">59</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=47% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other fees and
  commissions</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">297</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">303</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=47% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">3,325</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">3,661</font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-54</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;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_292c25d02dfe4af1949805ee4"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The breakdown of the balance under these headings in the
accompanying consolidated income statements is as follows:</font></font><a name="XBRL_TS_292c25d02dfe4af1949805ee4_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_004_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fee and
  commission expense. Breakdown by origin (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=47% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=47% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Demand accounts</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">18</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Credit and debit
  cards</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">621</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">798</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Transfers and
  other payment orders</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">83</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">65</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Commissions for
  selling insurance</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">25</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Custody securities</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">25</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">16</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other fees and commissions</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">259</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">268</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=47% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">1,024</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">1,191</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:avoid;text-align:justify;"><a name="XBRL_TS_4a3f410eb545462f96117378a"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">36.&#160;&#160;&#160; Gains (losses) on
financial assets and liabilities, hedge accounting and exchange differences,
net</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc331260347"></a><a name="_Toc299032906"></a><a name="_Toc299031567"></a><a name="_Toc299029487"></a><a name="_Toc298431749"></a><a name="_Toc481574694"></a><a name="_Toc495479995"></a><a name="_Toc457382042"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The breakdown of the balance under these headings, by source of
the related items, in the accompanying consolidated income statements is as
follows:</font></font><a name="XBRL_TS_4a3f410eb545462f96117378a_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_005_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:23.25pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gains
  (losses) on financial assets and liabilities, hedge accounting and exchange
  differences, net. </font></font><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif style="font-size:8.0pt;">Breakdown by heading (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:30.0pt;">
  <td width=65% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="border:none;border-bottom:solid black 1.0pt;height:30.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:20.45pt;">
  <td width=65% style="border:none;height:20.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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="border:none;height:20.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">229</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">67</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=65% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Financial
  assets at amortized cost</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">106</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">15</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=65% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Other
  financial assets and liabilities </font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">123</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">53</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=65% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gains (losses)
  on financial assets and liabilities held for trading, net</font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">187</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">173</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=65% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">129</font></font></p>
  </td>
 <td nowrap width=12% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">98</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=65% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">205</font></font></p>
  </td>
 <td nowrap width=12% style="height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(3)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=65% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gains (losses)
  from hedge accounting, net </font></font></p>
  </td>
 <td nowrap width=11% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">41</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">73</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=65% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Subtotal gains
  (losses) on financial assets and liabilities</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">790</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">408</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=65% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Exchange differences</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">316</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">134</font></font></p>
  </td>
 </tr>
<tr style="height:12.6pt;">
  <td width=65% style="background:#5AC4C4;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;height:12.6pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">1,107</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.6pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">542</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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_90ecea8f4b6941e9b2a0966c6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_90ecea8f4b6941e9b2a0966c6_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_006_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:23.25pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gains
  (losses) on financial assets and liabilities. Breakdown by instrument
  (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Debt instruments</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">646</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">451</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Equity instruments</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(1,374)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">764</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Trading derivatives and hedge accounting</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,384</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(653)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to customers</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">119</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">92</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Customer deposits</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">32</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=12% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">25</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(277)</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">790</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">408</font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-55</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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="XBRL_TS_8a0564dab187431b9888bdc2b"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">37.&#160;&#160;&#160; Other operating
income and expense</font></b></font><a name="_Toc481574695"></a><a name="_Toc495479996"></a></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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="XBRL_TS_8a0564dab187431b9888bdc2b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_008_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  operating income (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gains from
  sales of non-financial services</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">115</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">129</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Hyperinflation adjustment</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">39</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">63</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other operating income</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">76</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">145</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">230</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">337</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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_482c178c538e4737b2b169c6b"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_482c178c538e4737b2b169c6b_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_009_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:13.5pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  operating expense (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=54% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=16% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=15% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=54% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Change in inventories</font></font></p>
  </td>
 <td width=16% style="border:none;height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">55</font></font></p>
  </td>
 <td nowrap width=15% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">59</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=54% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Contributions
  to guaranteed banks deposits funds </font></font></p>
  </td>
 <td width=16% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">397</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">353</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=54% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Hyperinflation
  adjustment</font></font></p>
  </td>
 <td width=16% style="height:15.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">161</font></font></p>
  </td>
 <td nowrap width=15% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">249</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=54% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other operating
  expense</font></font></p>
  </td>
 <td width=16% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">235</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">334</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=54% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=16% style="background:#5AC4C4;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">848</font></b></font></p>
  </td>
 <td nowrap width=15% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">995</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:avoid;text-align:justify;"><a name="XBRL_TS_3e760eefc3e4491e9b3a21fa5"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">38.&#160;&#160;&#160; Income and expense
from insurance and reinsurance contracts</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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="XBRL_TS_3e760eefc3e4491e9b3a21fa5_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_009bis_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:23.25pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Income and
  expense from insurance and reinsurance contracts (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:21.75pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:21.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=64% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Income from
  insurance and reinsurance contracts</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,307</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,547</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Expense from
  insurance and reinsurance contracts</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(765)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(983)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">542</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">565</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:avoid;text-align:justify;"><a name="XBRL_TS_78fb9211d0fa444a8b651e408"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">39.&#160;&#160;&#160; Administration costs</font></b></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;">39.1&#160;&#160;&#160; Personnel expense</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_78fb9211d0fa444a8b651e408_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_010_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Personnel
  expense (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=46% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Wages and salaries</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2,225</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2,435</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Social security costs</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">379</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">396</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Defined contribution
  plan expense</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">24</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">49</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">55</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Defined benefit plan expense</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">24</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">27</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">24</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=46% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other personnel
  expense</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">195</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">222</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=46% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">2,875</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">3,131</font></b></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-56</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:avoid;text-align:justify;"><a name="XBRL_TS_38f533262a5c415fac7fdc7fb"></a><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">39.2&#160;&#160;&#160;
Other administrative expense</font></b></font></h2>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc331260349"></a><a name="_Toc298431751"></a><a name="_Toc299032907"></a><a name="_Toc299031568"></a><a name="_Toc299029488"></a><a name="_Toc457382044"></a><a name="_Toc481574697"></a><a name="_Toc495479998"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_38f533262a5c415fac7fdc7fb_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_014_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other
  administrative expense. Breakdown by main concepts (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=48% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=48% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Technology and
  systems</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">640</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">604</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=48% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Communications </font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">106</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">109</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=48% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Advertising</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">121</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">158</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=48% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Property, fixtures
  and materials</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">248</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">266</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=48% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Of which: rent
  expense</font></i></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></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:0cm;margin-bottom:.0001pt;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;">46</font></i></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:0cm;margin-bottom:.0001pt;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;">52</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=48% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Taxes other
  than income tax</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">199</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">203</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=48% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Surveillance and
  cash courier services</font></font></p>
  </td>
 <td width=18% style="height:12.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">84</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">92</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=48% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other expense</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">474</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">521</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=48% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">1,872</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">1,953</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:avoid;text-align:justify;"><a name="XBRL_TS_567e9dbeada344c0aa979889c"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">40.&#160;&#160;&#160; Depreciation and
amortization</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_567e9dbeada344c0aa979889c_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_015_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Depreciation
  and amortization (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:27.0pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">456</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">488</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which: For
  own use</font></i></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">266</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">294</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  Right-of-use assets</font></i></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">188</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">192</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Intangible assets</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">310</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">302</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=64% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total </font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">766</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">790</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:avoid;text-align:justify;"><a name="XBRL_TS_97c380e03dee4103a086d9822"></a><a name="_Toc331260350"></a><a name="_Toc299032908"></a><a name="_Toc299031569"></a><a name="_Toc299029489"></a><a name="_Toc298431752"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">41.&#160;&#160;&#160; Provisions or (reversal) of provisions</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc331260351"></a><a name="_Toc299032909"></a><a name="_Toc299031570"></a><a name="_Toc299029490"></a><a name="_Toc298431753"></a><a name="_Toc278965650"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">In </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">the six months ended June 30, 2020 and 2019 the net provisions
recognized in this income statement line item were as follows:</font></font><a name="XBRL_TS_97c380e03dee4103a086d9822_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_016_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.45pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Provisions or
  (reversal) of provisions (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td nowrap width=46% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Notes</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:10.5pt;">
  <td width=46% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Pensions and
  other post employment defined benefit obligations</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">24 </font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">145 </font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:10.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">127 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=46% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Commitments and
  guarantees given</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">106 </font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=46% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Pending legal
  issues and tax litigation</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">199 </font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">75 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td width=46% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other provisions </font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">90 </font></font></p>
  </td>
 <td nowrap width=18% style="height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">51 </font></font></p>
  </td>
 </tr>
<tr style="height:11.45pt;">
  <td nowrap width=46% style="background:#5AC4C4;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.45pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">541</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:11.45pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">261</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:avoid;text-align:justify;"><a name="XBRL_TS_4b7c4c67033d4b3c9e0a9773e"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-57</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:11.0pt;">42.&#160;&#160;&#160;
Impairment or (reversal) of impairment on financial assets not measured at fair
value through profit or loss<a name="Nota_50"></a><a name="Nota_50_bclEnd"></a>
or net gains by modification</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_4b7c4c67033d4b3c9e0a9773e_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_017_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:24.75pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment or
  (reversal) of impairment on financial assets not measured at fair value
  through profit or loss or net gains by modification (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap width=48% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=48% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial assets
  at fair value through other comprehensive income - Debt securities</font></font></p>
  </td>
 <td width=18% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">12.4</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">71</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=48% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  assets at amortized cost (*)</font></font></p>
  </td>
 <td width=18% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">4,075</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,727</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=48% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  recovery of written-off assets</font></i></font></p>
  </td>
 <td width=18% style="height:13.5pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><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;">&nbsp;</font></i></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:0cm;margin-bottom:.0001pt;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;">(145)</font></i></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:0cm;margin-bottom:.0001pt;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;">(534)</font></i></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=48% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">4,146</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">1,731</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;text-indent:0cm;"><a name="XBRL_FS_0e1708c62ce9475ab004fd11d"></a><a name="XBRL_TS_aa34fe3c9bd54634a87723bda"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(*)&#160; As of
June 30, 2020 the amount includes mainly the negative impact of the update of
the macroeconomic scenario following the COVID-19 pandemic (see Notes 1.5 and
6.2).</font></font><a name="XBRL_FS_0e1708c62ce9475ab004fd11d_bclEnd"></a><a name="XBRL_TS_aa34fe3c9bd54634a87723bda_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_f9225ed1b6b4498898025ef68"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">43.&#160;&#160;&#160; Impairment or
(reversal) of impairment of investments in joint ventures and associates</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:8.0pt;line-height:115%;">The heading &#8220;Impairment or reversal of the impairment of
investments in joint ventures or associates&quot; resulted in a loss of&#160; &#8364;60
million for the six months ended June 30, 2020, compared with nil impairment
recorded for the six months ended June 30, 2019.</font></font><a name="XBRL_TS_f9225ed1b6b4498898025ef68_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="_Toc331260352"></a><a name="_Toc299032910"></a><a name="_Toc299031571"></a><a name="_Toc299029491"></a><a name="_Toc298431754"></a><a name="XBRL_TS_84f10309891643f4a695a8564"></a><a name="_Toc457382047"></a><a name="_Toc481574700"></a><a name="_Toc495480001"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">44.&#160;&#160;&#160;
Impairment </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:11.0pt;">or (reversal) of impairment on non-financial
assets</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc457382048"></a><a name="_Toc481574701"></a><a name="_Toc495480002"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The impairment losses on
non-financial assets broken down by the nature of those assets in the
accompanying consolidated income </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">statements
are as follows:</font></font><a name="XBRL_TS_84f10309891643f4a695a8564_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_018_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment or
  (reversal) of impairment on non-financial assets (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap width=46% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Notes</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=46% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Tangible assets</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">62</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">30</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=46% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Intangible assets</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">17</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2,087</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=46% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Others&#160;&#160; </font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">13</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=46% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">2,149</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">44</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:avoid;text-align:justify;"><a name="XBRL_TS_b849691672064619a49f8aaa3"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">45.&#160;&#160;&#160; Ga</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:11.0pt;">ins
(losses) on derecognition of non-financial assets and subsidiaries, net</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_b849691672064619a49f8aaa3_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_019_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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 nowrap width=45% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=19% style="border:none;border-bottom:solid black 1.0pt;height:27.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Gains</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Disposal of
  investments in non-consolidated subsidiaries</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Disposal of
  tangible assets and other</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">13</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Losses</font></b></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Disposal of
  investments in non-consolidated subsidiaries</font></font></p>
  </td>
 <td nowrap width=19% style="height:12.75pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Disposal of
  tangible assets and other</font></font></p>
  </td>
 <td nowrap width=19% style="height:13.5pt;padding:0cm 9.0pt 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(1)</font></font></p>
  </td>
 <td nowrap width=18% style="height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(6)</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td nowrap width=45% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total </font></b></font></p>
  </td>
 <td nowrap width=19% style="background:#5AC4C4;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">4</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">8</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:avoid;text-align:justify;"><a name="XBRL_TS_5fda6715312d45eab563e0d7f"></a><a name="_Toc331260354"></a><a name="_Toc299032912"></a><a name="_Toc299031573"></a><a name="_Toc299029493"></a><a name="_Toc298431756"></a><a name="_Toc457382049"></a><a name="_Toc481574702"></a><a name="_Toc495480003"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-58</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_137"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:11.0pt;">46.&#160;&#160;&#160;
Gains </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:11.0pt;">(losses) from non-current assets and disposal groups classified as
held for sale not qualifying as discontinued operations</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><a name="_Toc457382052"></a><a name="_Toc481574705"></a><a name="_Toc495480006"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">breakdown of the balance under this heading in the accompanying
consolidated income statements is as follows:</font></font><a name="XBRL_TS_5fda6715312d45eab563e0d7f_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_37.51jun_020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:31.5pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:31.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gains
  (losses) 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:23.25pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:23.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=64% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Gains on sale
  of real estate</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">44</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=64% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Impairment of
  non-current assets held for sale</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(53)</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(15)</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">(9)</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:13.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">11</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:avoid;text-align:justify;"><a name="XBRL_TS_d9e8965c886045b780eca7a07"></a><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;">47.&#160;&#160;&#160; Related-party
transactions</font></b></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;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. As of June 30, 2020 and December 31, 2019, the
transactions with related parties are the following:</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;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">47.1&#160;&#160;&#160; Transactions
with significant shareholders</font></b></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">2020 and December
31, 2019 </font></font><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">there were no shareholders
considered significant (see Note 25).</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;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">47.2&#160;&#160;&#160; Transactions
with BBVA Group entities</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The balances of
the main captions 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_d9e8965c886045b780eca7a07_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_53_001jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Balances
  arising from transactions with entities of the Group (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:25.5pt;">
  <td width=47% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:25.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=47% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to credit institutions</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">61</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Loans and
  advances to customers</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,909</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,682</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Liabilities</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=47% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Loan commitments
  given</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other contingent
  commitments given</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">859</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">453</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Financial guarantees
  given</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Memorandum accounts</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=47% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Loan commitments
  given</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">156</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">166</font></font></p>
  </td>
 </tr>
<tr style="height:14.25pt;">
  <td width=47% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other contingent
  commitments given</font></font></p>
  </td>
 <td nowrap width=17% style="height:14.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,397</font></font></p>
  </td>
 <td nowrap width=18% style="height:14.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,042</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Financial guarantees
  given</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">50</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">106</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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_e8f92f4181814e92acb7147c6"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_e8f92f4181814e92acb7147c6_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_53_002jun_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.0pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Balances of
  consolidated income statement arising from transactions with entities of the
  Group (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:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=17% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap valign=bottom width=47% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Gains and losses:</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Interest and other
  income</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">9</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">26</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Interest expense</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Fee and commission
  income</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td nowrap width=47% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Fee and commission expense</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">19</font></font></p>
  </td>
 <td nowrap width=18% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">14</font></font></p>
  </td>
 </tr>
</table></div>




<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-59</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_138"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="XBRL_TS_c30fea0e7c8948d1a85d915f1"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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 to the consolidated Financial
Statements of 2019) and from the insurance policies to cover pension or similar
commitments (see Note 25 to the consolidated Financial Statements of 2019) and
the derivatives transactions arranged by BBVA Group with these entities,
associates and joint ventures.</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">In addition, as part of its regular
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_c30fea0e7c8948d1a85d915f1_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_3b468e816c40428f943702c3d"></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;line-height:115%;">47.3&#160;&#160;&#160; Transactions with members of the Board of
Directors and Senior Management</font></b></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">The amount and nature of the transactions carried out with members
of the Board of Directors and Senior Management of BBVA is given below. These
transactions belong to the Bank&#8217;s ordinary business or traffic, are of little
relevance and have being carried out under normal market conditions.</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020, there were no loans granted by the Group&#8217;s
entities to the members of the Board of Directors. As of December 31, 2019, the
amount availed against the loans granted by the Group&#8217;s entities to the members
of the Board of Directors amounted to &#8364;607 thousand.</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020 and December 31, 2019, there were no loans
granted to parties related to the members of the Board of Directors.</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020 and December 31, 2019 the amount availed
against the loans granted by the Group&#8217;s entities to the members of Senior
Management (excluding the executive directors) amounted to &#8364;4,510 and &#8364;4,414
thousand, respectively. As of June 30, 2020 there were no loans granted by the
Group&#8217;s entities to parties related to members of the Senior Management, and,
as of December 31, 2019, the amount availed against the loans granted to
parties related to members of the Senior Management amounted to &#8364;57 thousand.</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020, and December 31, 2019, no guarantees had been
granted to any member of the Board of Directors.</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020 and December 31, 2019, the amount availed
against guarantees arranged with members of the Senior Management amounted to
&#8364;10 thousand, respectively.</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020 and December 31, 2019 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 amounted to
&#8364;25 thousand, respectively. </font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">The information on the remuneration of the members of the BBVA
Board of Directors and Senior Management is included in Note 48.</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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-US style="font-size:10.0pt;line-height:115%;">47.4&#160;&#160;&#160;
Transactions with other related parties</font></b></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">During the six months ended June 30, 2020 and the year ended
December 31, 2019, 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_3b468e816c40428f943702c3d_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_5dfdbda092904528820cac057"></a><a name="_Toc362629586"></a><a name="_Toc300131067"></a><a name="_Toc378810308"></a><a name="_Toc417733"></a></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-60</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_139"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:11.0pt;">48.&#160;&#160;&#160; Re</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:11.0pt;">muneration
and other benefits for the Board of Directors and members of the Bank&#8217;s Senior
Management</font></b></font></p>

<p style="border:none;margin:0cm;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-GB style="font-size:8.0pt;line-height:107%;">Note 54 of the Notes to the BBVA Group's Consolidated Annual
Financial Statements, corresponding to the financial year ending December 31,
2019, details the remuneration and other benefits corresponding to the members
of the Board of Directors and of the Bank's Senior Management, including the
description of the applicable policies and remuneration systems, and
information regarding the conditions to receive remuneration and other
benefits. </font></font></p>

<p style="border:none;margin:0cm;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-GB style="font-size:8.0pt;line-height:107%;">The Bank's General Shareholders' Meeting held on 15 March 2019
approved the Remuneration Policy for BBVA Directors applicable in the 2019,
2020 and 2021 financial years.</font></font></p>

<p style="border:none;margin:0cm;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-GB style="font-size:8.0pt;line-height:107%;">On the basis of said policies and remuneration systems,
information regarding the remuneration and other benefits for the members of
the Board of Directors and for Senior Management corresponding to the period
between the start of the financial year and June 30, 2020 is shown below.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">Remuneration
of non-executive directors</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The remuneration paid to
non-executive directors during the first half of the 2020 financial year is
itemized per director below:</font></font><a name="XBRL_TS_5dfdbda092904528820cac057_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_6K_48_01_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=10 nowrap width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Remuneration
  for non-executive directors (thousands of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:41.25pt;">
  <td nowrap width=16% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;">Board of Directors</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;">Executive Committee</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;">Audit Committee</font></b></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;">Risk and Compliance Committee</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;">Remunerations Committee</font></b></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">Appointments and Corporate Governance Committee</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;">Technology and Cybersecurity Committee</font></b></font></p>
  </td>
 <td width=10% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;">Other positions (1)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:41.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:6.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=16% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Jos&#233; Miguel Andr&#233;s
  Torrecillas</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">28</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">33</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">36</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">58</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">25</font></font></p>
  </td>
 <td nowrap width=9% style="border:none;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">244</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Jaime Caruana Lacorte</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">83</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">83</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">53</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">284</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Ra&#250;l Galamba de
  Oliveira (2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">43</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">18</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">11</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">71</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Bel&#233;n Garijo L&#243;pez</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">33</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">54</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">23</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">174</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Sunir Kumar Kapoor</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">21</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">86</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Lourdes M&#225;iz Carro</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">33</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">119</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Jos&#233; Maldonado Ramos</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">83</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">23</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">171</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Ana Peralta Moreno</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">33</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">21</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">119</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Juan Pi Llorens</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">107</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">23</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">21</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">40</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">256</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Ana Revenga Shanklin
  (2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">32</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">18</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">50</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Susana Rodr&#237;guez
  Vidarte</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">83</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">53</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">23</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">224</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Carlos Salazar
  Lomel&#237;n (2)</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">32</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">7</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">39</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=16% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">Jan Verplancke</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">7</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">21</font></font></p>
  </td>
 <td nowrap width=10% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td nowrap width=9% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">93</font></font></p>
  </td>
 </tr>
<tr style="height:15.75pt;">
  <td width=16% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">Total (3)</font></b></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">751</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">278</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">215</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">285</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">111</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">150</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">75</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">65</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:15.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">1,930</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_1c35734988b8496a9caa3cc44"></a><a name="XBRL_FS_a562063f9edb4ebda56f6f117"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(1)&#160;&#160;&#160;
Amounts received during the first half of 2020 by Jos&#233; Miguel Andr&#233;s
Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by
Juan Pi Llorens, in his capacity as Lead Director.</font></font><a name="XBRL_FS_a562063f9edb4ebda56f6f117_bclEnd"></a></p>

<p style="border:none;margin:0cm;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_FS_57f73d8749ab4184b44df4dfe"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(2)&#160;&#160;&#160; Directors
appointed by the General Meeting held on 13 March 2020. Remunerations paid
based on the date on which the position was accepted.</font></font><a name="XBRL_FS_57f73d8749ab4184b44df4dfe_bclEnd"></a></p>

<p style="border:none;margin:0cm;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_FS_72670d916ae342b1b04cd0deb"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;line-height:115%;">(3)&#160;&#160;&#160;
Including the amounts corresponding to the positions of the member of the Board
and of the various committees during the first half of the 2020 financial year.
The composition of these committees was amended by agreement of the Board of
Directors dated 29 April 2020.</font></font></p>

<p style="border:none;margin:0cm;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:6.0pt;line-height:115%;">In addition, Tom&#225;s Alfaro Drake and Carlos Loring Mart&#237;nez de
Irujo, who left their roles as directors on 13 March 2020, received a total of &#8364;54
thousand and &#8364;111 thousand, respectively, for their membership of the Board and
to the various Board Committees during the first quarter of the financial year.</font></font><a name="XBRL_FS_72670d916ae342b1b04cd0deb_bclEnd"></a></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">Likewise, during the first half of the 2020 financial year, &#8364;109
thousand was paid in healthcare and casualty insurance premiums to
non-executive directors.</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-61</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_140"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;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:9.0pt;">Remuneration of executive
directors</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The remuneration paid to
non-executive directors during the first half of the 2020 financial year is
itemized per director below:</font></font><a name="XBRL_TS_1c35734988b8496a9caa3cc44_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_6K_48_02_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:22.5pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fixed
  remuneration (thousands of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=81% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=81% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Chairman</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,227</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=81% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Chief Executive
  Officer (1)</font></font></p>
  </td>
 <td nowrap width=19% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,090</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=81% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:7.0pt;">Total</font></b></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=19% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">2,316</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_FS_cc7eef49394448fca4e832eb9"></a><a name="XBRL_TS_f54f9a2561f5490a81b6160c5"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">&#160;(1) In addition,
in accordance with the current Remuneration Policy for BBVA Directors, during
the first half of the 2020 financial year, the Chief Executive Officer received
&#8364;327 thousand as cash in lieu of pension and &#8364;300 thousand as a mobility
allowance.</font></font><a name="XBRL_FS_cc7eef49394448fca4e832eb9_bclEnd"></a><a name="XBRL_TS_f54f9a2561f5490a81b6160c5_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_6K_48_03_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:22.5pt;">
  <td colspan=3 nowrap style="background:#E9E9E9;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#5AC4C4 face=Arial,sans-serif style="border:none;"><font color=#5AC4C4 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Variable
  remuneration corresponding to previous financial years (1)</font></font></p>
  </td>
 <td height=30 style="border:none;height:22.5pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 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:0cm;margin-bottom:.0001pt;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;">In cash</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(thousands of euro)</font></font></p>
  </td>
 <td nowrap rowspan=2 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:0cm;margin-bottom:.0001pt;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;">In shares</font></b></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td height=20 style="border:none;height:15.0pt;">&nbsp;</td>
 </tr>
<tr style="height:15.75pt;">
  <td height=21 style="border:none;height:15.75pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Chairman</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,292</font></font></p>
  </td>
 <td nowrap style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">215,628</font></font></p>
  </td>
 <td height=20 style="border:none;height:15.0pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Chief Executive Officer</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">775</font></font></p>
  </td>
 <td nowrap style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">144,578</font></font></p>
  </td>
 <td height=20 style="border:none;height:15.0pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">2,067</font></b></font></p>
  </td>
 <td nowrap style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">360,206</font></b></font></p>
  </td>
 <td height=20 style="border:none;height:15.0pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_b5df86a6b611444d81fc5aed2"></a><a name="XBRL_FS_18296b56272241d2ad15c9b83"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(1) Remuneration
corresponding to the upfront portion (40%) of the Annual Variable Remuneration
(AVR) for the 2019 financial year and to the deferred AVR for the 2016
financial year to be paid in 2020, along with its update in cash. The deferred
AVR for the 2016 financial year of the Chairman and the Chief Executive Officer
is associated with their previous roles as Chief Executive Officer and
President &amp; CEO of BBVA Compass (now BBVA USA), respectively.</font></font><a name="XBRL_FS_18296b56272241d2ad15c9b83_bclEnd"></a></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">Moreover, in the first half of the 2020 financial year,
remuneration in kind was paid to executive directors, including insurance
premiums and other items, for a total amount of &#8364;333 thousand, of which &#8364;204
thousand correspond to the Chairman and &#8364;129 thousand to the Chief Executive
Officer.</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">As Head of Global Economics &amp; Public Affairs (Head of
GE&amp;PA), former executive director Jos&#233; Manuel Gonz&#225;lez P&#225;ramo
Mart&#237;nez-Murillo, who left his role of director on 13 March 2020, received &#8364;168
thousand in fixed remuneration; &#8364;174 thousand and 28,353 BBVA shares,
corresponding to 40% of the AVR for the 2019 financial year and the deferred
portion of the AVR for the 2016 financial year, payment of which was due in the
2020 financial year, including the corresponding cash update; as well as &#8364;33
thousand in remuneration in kind.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;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:9.0pt;">Remuneration of members of Senior Management (*) </font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The remuneration paid to the Senior
Management as a whole during the first half of the 2020 financial year,
excluding executive directors, is itemized below:</font></font><a name="XBRL_TS_b5df86a6b611444d81fc5aed2_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU 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_6K_48_04_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:22.5pt;">
  <td colspan=2 nowrap width=100% style="background:#E9E9E9;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Fixed remuneration
  (thousands of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=81% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=19% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=81% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Senior Management
  total</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7,444</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:8.0pt;"><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_6K_48_05_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:22.5pt;">
  <td colspan=3 nowrap style="background:#E9E9E9;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Variable
  remuneration corresponding to previous financial years (1)</font></font></p>
  </td>
 <td height=30 style="border:none;height:22.5pt;">&nbsp;</td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">In cash </font></b></font><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(1)</font></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">(thousands of euro)</font></font></p>
  </td>
 <td nowrap rowspan=2 style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">In shares </font></b></font><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">(1)</font></font></p>
  </td>
 <td height=30 style="border:none;height:22.5pt;">&nbsp;</td>
 </tr>
<tr style="height:15.75pt;">
  <td height=21 style="border:none;height:15.75pt;">&nbsp;</td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Senior Management
  total</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2,832</font></font></p>
  </td>
 <td nowrap style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">465,709</font></font></p>
  </td>
 <td height=20 style="border:none;height:15.0pt;">&nbsp;</td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_57584a3bd7f74348ac1fd7976"></a><a name="XBRL_FS_32846c73aa1847d2a26116702"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(1)
Remuneration corresponding to the upfront portion (40%) of the AVR for the 2019
financial year and, in the case of members who were beneficiaries, to the
deferred AVR for the 2016 financial year to be paid in 2020, along with its
update in cash. For those members of Senior Management appointed by the Board
of Directors during the 2019 financial year, the remuneration included relates
to their previous positions.</font></font><a name="XBRL_FS_32846c73aa1847d2a26116702_bclEnd"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;"> &nbsp;</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:6.0pt;line-height:115%;">(*) 15 members with such status as of June 30, 2020, excluding
executive directors.</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-62</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_141"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">Furthermore, during the first half of the 2020
financial year, remuneration in kind was paid in favor of Senior Management as
a whole, excluding executive directors, which included insurance premiums and other
items, for a total amount of &#8364;678 thousand.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-AU style="font-size:9.0pt;">Remuneration system with deferred delivery of shares for
non-executive directors</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">During
the first half of the 2020 financial year, the following theoretical shares
were allocated, derived from the remuneration system with deferred delivery of
shares for non-executive directors, equivalent to 20% of the total remuneration
in cash received by each director in 2019:</font></font><a name="XBRL_TS_57584a3bd7f74348ac1fd7976_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_6K_48_06_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:33.75pt;">
  <td nowrap width=64% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Theoretical shares allocated in 2020</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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">Theoretical shares accumulated as of June 30, 2020</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Jos&#233; Miguel Andr&#233;s
  Torrecillas</font></font></p>
  </td>
 <td width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">20,252</font></font></p>
  </td>
 <td width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">75,912</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Jaime Caruana Lacorte</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">22,067</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">31,387</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Bel&#233;n Garijo L&#243;pez</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">14,598</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">62,126</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Sunir Kumar Kapoor</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7,189</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">22,915</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Lourdes M&#225;iz Carro</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">10,609</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">44,929</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Jos&#233; Maldonado Ramos</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">14,245</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">108,568</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Ana Peralta Moreno</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">10,041</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">15,665</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Juan Pi Llorens</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">20,676</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">92,817</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Susana Rodr&#237;guez
  Vidarte</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">18,724</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">141,138</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Jan Verplancke</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7,189</font></font></p>
  </td>
 <td width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">12,392</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=64% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total (1)</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">145,590</font></b></font></p>
  </td>
 <td width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">607,849</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:5.65pt;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_63f6d5738b504ecd93337c879"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(1) Furthermore,
8,984 theoretical shares were assigned to Tom&#225;s Alfaro Drake and 18,655
theoretical shares were assigned Carlos Loring Mart&#237;nez de Irujo, who left
their roles as directors on 13 March 2020. After leaving their roles, both
directors received a number of BBVA shares equivalent to the total number of
theoretical shares that each of them had accumulated to date (102,571 and
135,046 BBVA shares, respectively) in application of the system.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-AU style="font-size:9.0pt;">Pension commitments with executive directors and members of Senior
Management</font></b></font><a name="XBRL_TS_63f6d5738b504ecd93337c879_bclEnd"></a></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_6K_48_07_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Executive
  directors (thousands of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=46% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">Contributions</font></b></font><sup><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;"> (1)</font></font></sup></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">Accumulated funds</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=46% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Retirement</font></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Death and disability</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=46% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Chairman</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">836</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">189</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">21,353</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=46% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Chief Executive Officer</font></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">126</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=46% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;"> &nbsp;</font></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">836</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">315</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">21,353</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;text-align:justify;"><a name="XBRL_TS_4ecf503db9264447a4fcea2cf"></a><a name="XBRL_FS_350e12c6aec64a13844832399"></a><a name="XBRL_FS_9863c03057464e0698ec0f530"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(1) Contributions
registered to fulfil the proportion of pension commitments undertaken with the
executive directors corresponding to the first half of the 2020 financial year.
In the case of the Chairman, these correspond to the sum of the annual
contribution to cover retirement benefits and the adjustment made to the
discretionary pension benefits for the 2019 financial year that fell due in the
2020 financial year once the AVR for the year 2019 had been determined and to
the death and disability premiums. For the Chief Executive Officer, the
contributions registered correspond exclusively to the proportion of the
premiums for death and disability given that, in his case, no commitments were
made for the retirement benefit.</font></font><a name="XBRL_FS_350e12c6aec64a13844832399_bclEnd"></a><a name="XBRL_FS_9863c03057464e0698ec0f530_bclEnd"></a></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">In
the case of the head of GE&amp;PA, &#8364;89 thousand was registered in contributions
to fulfil the pension commitments undertaken in proportion to the time spent in
office during the first half of the 2020 financial year. This corresponds to
the sum of the annual contribution to cover retirement benefits and the
adjustment made to the discretionary pension benefits for the 2019 financial
year that fell due in the 2020 financial year once the AVR for the year 2019 (&#8364;52
thousand) had been determined and to the death and disability premiums (&#8364;37
thousand).</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;">As of the
date on which he left his position, the total accumulated fund to meet the
retirement commitments for the former head of GE&amp;PA was &#8364;1,404 thousand,
with no further contributions to be made by the Bank from that point on.</font></font><a name="XBRL_TS_4ecf503db9264447a4fcea2cf_bclEnd"></a><font face=Arial,sans-serif style="border:none;">
&nbsp;</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-63</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_142"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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_6K_48_08_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=4 nowrap width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Senior Management (thousands of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=46% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=36% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">Contributions</font></b></font><sup><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;"> (1)</font></font></sup></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">Accumulated funds</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=46% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Retirement</font></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Death and disability</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap width=46% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Senior Management
  total*</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,487</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">517</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">20,613</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:6.0pt;margin-left:0cm;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;"><a name="XBRL_TS_bc7da325dd24405790a77ba64"></a><a name="XBRL_FS_44e2ef689c294e55b23d88b75"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;line-height:115%;">(1) Contributions
registered to fulfil the proportion of pension commitments undertaken with the
Senior Management as a whole for the first half of the 2020 financial year
corresponding to the sum of the annual contributions to cover retirement
benefits and the adjustments to discretionary pension benefits for the 2019
financial year that fell due in the 2020 financial year once the AVR for the
year 2019 had been determined, and to the death and disability premiums.</font></font><a name="XBRL_FS_44e2ef689c294e55b23d88b75_bclEnd"></a></p>

<p style="border:none;margin:0cm;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-AU style="font-size:6.0pt;line-height:115%;">(*) 15 members with such status as of June 30, 2020, excluding
executive directors.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font color=#002060 face=Arial,sans-serif style="border:none;"><b><font color=#002060 face=Arial,sans-serif lang=EN-AU style="font-size:9.0pt;">Payments for the termination of the contractual relationship</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">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:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">The
contractual framework defined for the executive directors, in accordance with
the Remuneration Policy for BBVA Directors, establishes a post-contractual
non-compete agreement for executive directors, effective for a period of two
(2) years after they cease as BBVA executive directors, provided that they do
not leave due to retirement, disability or serious dereliction of duties. In
compensation for this agreement, the Bank shall award them remuneration to an
amount equivalent to one Annual Fixed Remuneration per year of duration, which
will be paid monthly over the course of the two-year duration of the
non-compete agreement.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">Accordingly,
the executive director Head of GE&amp;PA, who left his role on 13 March 2020,
received &#8364;249 thousand during the first half of 2020.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">With
regard to the Senior Management team, excluding executive directors, during the
first half of the 2020 financial year, the Bank has paid out a total of &#8364;2,185
thousand, resulting from the termination of the contractual relationship with
one member of Senior Management and in fulfilment of the provisions of their
contract (for the payment of legal indemnity and notice). In addition, the
contract establishes a non-competition clause, effective for a period of one
(1) year after they leave their role as a senior manager of BBVA, provided that
they do not leave due to retirement, disability or serious dereliction of
duties. In compensation for this agreement, the member of senior management
received a total of &#8364;408 thousand during the first half of 2020.</font></font><a name="XBRL_TS_bc7da325dd24405790a77ba64_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_41bb024356e2442e95df4ba9c"></a><a name="_Toc362629588"></a><a name="_Toc300131069"></a><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:11.0pt;line-height:normal;">49.&#160;&#160;&#160;
Subsequent events</font></b></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><a name="_Toc442077896"></a><a name="_Toc457382063"></a><a name="_Toc481574716"></a><a name="_Toc492911512"></a><a name="_Toc495480018"></a><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">On July 15, 2020, BBVA carried out an issue of preferred
securities contingently convertible into newly issued ordinary shares of BBVA
with exclusion of pre-emptive subscription rights for shareholders for a total
nominal amount of &#8364;1,000 million (see Note 6.3).</font></font></p>

<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">From July 1, 2020 to the date of preparation of these consolidated
Financial Statements, no subsequent events requiring disclosure in these
interim consolidated Financial Statements have taken place that significantly
affect the Group&#8217;s earnings or its consolidated equity position.</font></font><a name="XBRL_TS_41bb024356e2442e95df4ba9c_bclEnd"></a></p>

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<p style="border:none;margin:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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 align=center style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:center;"><font color=#0070C0 face=Arial,sans-serif style="border:none;"><img alt=20f2019x382x0 border=0 height=151 id="Imagen 1" src="d6kjune2020x142x0.jpg" width=435></font>&nbsp;</p>

<p align=center style="border:none;margin:0cm;margin-bottom:10.0pt;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%;">&nbsp;</font></b></font></p>

<p align=center style="border:none;margin:0cm;margin-bottom:10.0pt;text-align:center;"><font color=#004580 style="border:none;"><b><font color=#004580 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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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:0cm;margin-bottom:10.0pt;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>





<font face=Arial,sans-serif style="border:none;">
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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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-65</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;">APPENDIX
I.</font></b></font><font face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-AU style="font-size:11.0pt;"> Quantitative information on refinancing and restructuring
operations and other requirement under Bank of Spain Circular 6/2012</font></b></font></p>

<h2 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 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">a)&#160;&#160;&#160; Quantitative information on refinancing and
restructuring operations</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;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">The breakdown of
refinancing and restructuring operations as of June 30, 2020 and December 31,
2019, is as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_001jun2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.75pt;">
  <td width=30% style="height:15.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=14 width=70% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">June 2020 BALANCE OF FORBEARANCE</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&#160;&#160;&#160; (Millions of Euros)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=30% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=14 width=70% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">TOTAL</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=30% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 width=20% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Unsecured loans</font></b></font></p>
  </td>
 <td colspan=8 width=40% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Secured loans</font></b></font></p>
  </td>
 <td colspan=2 rowspan=3 width=10% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap valign=bottom width=30% style="height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;border-top:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 width=20% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap valign=bottom width=30% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Number of operations</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Number of operations</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Real estate mortgage secured</font></b></font></p>
  </td>
 <td colspan=2 width=10% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Rest of secured loans</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=30% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Credit institutions</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=30% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">General Governments</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">74</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">86</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">63</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">62</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">47</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(10)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=30% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Other financial
  corporations and individual entrepreneurs (financial business)</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">425</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">10</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">32</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">4</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">3</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(5)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=30% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Non-financial
  corporations and individual entrepreneurs (corporate non-financial
  activities)</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">65,608</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">5,437</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">12,519</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">3,399</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1,854</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">68</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(3,297)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=30% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  financing the construction and property (including land)</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">617</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">570</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">1,163</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">702</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">388</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">7</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">(468)</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=30% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Rest homes (*)</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">201,229</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1,746</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">75,260</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">6,024</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">4,349</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">84</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(1,765)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=30% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">Total</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">267,336</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">7,279</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">87,874</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">9,489</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">6,253</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">152</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">(5,078)</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=30% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=13 width=69% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Of&#160; which:&#160; IMPAIRED</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=30% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 width=19% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Unsecured loans</font></b></font></p>
  </td>
 <td colspan=8 width=40% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Secured loans</font></b></font></p>
  </td>
 <td colspan=2 rowspan=3 width=10% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=30% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 width=20% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap valign=bottom width=30% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Number of operations</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Number of operations</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Real estate mortgage secured</font></b></font></p>
  </td>
 <td colspan=2 width=10% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Rest of secured loans</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td width=30% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Credit institutions</font></font></p>
  </td>
 <td width=9% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td width=30% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">General Governments</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">43</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">38</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">29</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">20</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">16</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(7)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:16.5pt;">
  <td width=30% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Other financial
  corporations and individual entrepreneurs (financial business)</font></font></p>
  </td>
 <td width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">270</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">5</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">18</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">2</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(4)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:16.5pt;">
  <td width=30% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Non-financial
  corporations and individual entrepreneurs (corporate non-financial
  activities)</font></font></p>
  </td>
 <td width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">39,407</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">3,072</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">7,644</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">2,284</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">952</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">47</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(2,856)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:16.5pt;">
  <td width=30% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  financing the construction and property (including land)</font></i></font></p>
  </td>
 <td width=9% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">496</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">245</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">707</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">482</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">216</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">-</font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">(368)</font></i></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td width=30% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Rest homes (*)</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">100,651</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">710</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">34,975</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">2,879</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1,860</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">12</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(1,379)</font></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=30% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">140,371</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">3,824</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">42,666</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">5,185</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">2,829</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">59</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">(4,246)</font></b></font></p>
  </td>
 <td width=1% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr height=0>
  <td width=30% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(*) &#160;&#160;&#160;Number of operations does not include Garanti BBVA. </font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;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 face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">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:10.0pt;margin-left:14.2pt;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-AU style="font-size:6.0pt;">The
accumulated impairment or accumulated losses in fair value due to credit risk
correspond to &#8364;831 million of collective loss allowances and &#8364;4,236 million of
specific loss allowances.
</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-66</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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_001a2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td colspan=13 width=74% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">DECEMBER 2019 BALANCE OF FORBEARANCE</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&#160;&#160;&#160; (Millions of Euros)</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td colspan=13 width=74% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">TOTAL</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=3 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Unsecured loans</font></b></font></p>
  </td>
 <td colspan=8 width=43% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Secured loans</font></b></font></p>
  </td>
 <td colspan=2 rowspan=3 width=10% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=bottom width=24% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=24% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Number of operations</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Number of operations</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Real estate mortgage secured</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Rest of secured loans</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Credit institutions</font></font></p>
  </td>
 <td width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">73 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">93 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64 </font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">64 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">49 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(11)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:16.5pt;">
  <td width=24% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Other financial
  corporations and individual entrepreneurs (financial business)</font></font></p>
  </td>
 <td width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">387 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">8 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">62 </font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">4 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">3 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(6)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:24.75pt;">
  <td width=24% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Non-financial
  corporations and individual entrepreneurs (corporate non-financial
  activities)</font></font></p>
  </td>
 <td width=10% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">68,121 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">5,085 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">18,283 </font></font></p>
  </td>
 <td colspan=2 width=10% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">3,646 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1,810 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">178 </font></font></p>
  </td>
 <td colspan=2 width=10% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(3,252)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:16.5pt;">
  <td width=24% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  financing the construction and property (including land)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">1,131 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">400 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">1,314 </font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">688 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">393 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">32 </font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">(428)</font></i></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Rest homes (*)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">173,403 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1,510 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">67,513 </font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">5,827 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">4,414 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">33 </font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(1,519)</font></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=24% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">241,984 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">6,696 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">85,922 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">9,541 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">6,276 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">211 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">(4,788)</font></b></font></p>
  </td>
 <td width=2% style="border:none;padding:0cm 0cm 0cm 0cm;"><p style="margin:0cm;margin-bottom:.0001pt;"><font face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=24% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=14 width=76% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Of&#160; which:&#160; IMPAIRED</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=24% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Unsecured loans</font></b></font></p>
  </td>
 <td colspan=8 width=44% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Secured loans</font></b></font></p>
  </td>
 <td colspan=2 rowspan=3 width=10% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Accumulated impairment or accumulated losses in fair value due
  to credit risk</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=24% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Maximum amount of secured loans that can be considered</font></b></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td nowrap valign=bottom width=24% style="height:24.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Number of operations</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Number of operations</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross carrying amount</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Real estate mortgage secured</font></b></font></p>
  </td>
 <td colspan=2 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Rest of secured loans</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Credit institutions</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=11% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">General Governments</font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">45 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">41 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">30 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">21 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">16 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(7)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=24% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Other financial
  corporations and individual entrepreneurs (financial business)</font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">241 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">6 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">30 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">2 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(6)</font></font></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td width=24% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Non-financial
  corporations and individual entrepreneurs (corporate non-financial
  activities)</font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">39,380 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">3,148 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">11,706 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">2,466 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1,020 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">50 </font></font></p>
  </td>
 <td colspan=2 width=10% style="height:24.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(2,923)</font></font></p>
  </td>
 </tr>
<tr style="height:16.5pt;">
  <td width=24% style="height:16.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  financing the construction and property (including land)</font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">819 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">321 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">790 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">445 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">210 </font></i></font></p>
  </td>
 <td colspan=2 width=11% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">4 </font></i></font></p>
  </td>
 <td colspan=2 width=10% style="height:16.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">(392)</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Rest homes (*)</font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">96,429 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">758 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">34,463 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">2,908 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">2,006 </font></font></p>
  </td>
 <td colspan=2 width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">17 </font></font></p>
  </td>
 <td colspan=2 width=10% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(1,229)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=24% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">Total</font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">136,095 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">3,954 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">46,229 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">5,396 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">3,044 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">67 </font></b></font></p>
  </td>
 <td colspan=2 nowrap width=10% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">(4,164)</font></b></font></p>
  </td>
 </tr>
<tr height=0>
  <td width=24% style="border:none;">&nbsp;</td>
 <td width=10% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=10% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=10% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=9% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 <td width=8% style="border:none;">&nbsp;</td>
 <td width=2% style="border:none;">&nbsp;</td>
 </tr>
</table></div>



<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;margin-right:0cm;margin-top:6.0pt;page-break-after:avoid;text-align:justify;text-indent:-14.2pt;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(*) &#160;&#160;&#160;Number of operations does not include Garanti BBVA. </font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:14.2pt;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 face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">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:10.0pt;margin-left:14.2pt;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-AU style="font-size:6.0pt;">The
accumulated impairment or accumulated losses in fair value due to credit risk
correspond to &#8364;624 million of collective loss allowances and &#8364;4,164 million of
specific loss allowances.
</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-67</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The table below provides a
breakdown by segments of the forbearance operations (net of provisions) as of
June 30, 2020 and December 31, 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_181jun2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Forbearance
  operations. Breakdown by segments (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap width=52% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td width=24% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=24% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=52% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Credit institutions</font></font></p>
  </td>
 <td nowrap width=24% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 <td nowrap width=24% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=52% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Central governments</font></font></p>
  </td>
 <td nowrap width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">138</font></font></p>
  </td>
 <td nowrap width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">147</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=52% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Other financial
  corporations and individual entrepreneurs (financial activity)</font></font></p>
  </td>
 <td nowrap width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">9</font></font></p>
  </td>
 <td nowrap width=24% style="height:12.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">6</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=52% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-financial
  corporations and individual entrepreneurs (non-financial activity)</font></font></p>
  </td>
 <td nowrap width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,539</font></font></p>
  </td>
 <td nowrap width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,479</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=52% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  Financing the construction and property development (including land)</font></i></font></p>
  </td>
 <td nowrap width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">805</font></i></font></p>
  </td>
 <td nowrap width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">660</font></i></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=52% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Households</font></font></p>
  </td>
 <td nowrap width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">6,004</font></font></p>
  </td>
 <td nowrap width=24% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,818</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap width=52% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total carrying amount</font></b></font></p>
  </td>
 <td nowrap width=24% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">11,690</font></b></font></p>
  </td>
 <td nowrap width=24% style="background:#5AC4C4;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">11,450</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">NPL ratio by type of renegotiated loan </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:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">As of June 30, 2020 and December
31, 2019, 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_021jun2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Ratio of
  Impaired loans - Past due</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap width=66% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=66% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">General governments</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">39%</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">39%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=66% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Commercial</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">61%</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">64%</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=66% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Of which:
  Construction and property development (including land)</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">57%</font></i></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">70%</font></i></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=66% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Other consumer</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">46%</font></font></p>
  </td>
 <td nowrap width=17% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">50%</font></font></p>
  </td>
 </tr>
</table></div>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin:0cm;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-AU style="font-size:10.0pt;">&nbsp;</font></font></p>



<font face=Arial,sans-serif style="border:none;">
&nbsp;</font>



<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;">&nbsp;</h2>
<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-68</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</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">

<DIV bclHeader>


<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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:avoid;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">b) &#160;&#160;Qualitative
information on the concentration of risk by activity and guarantees</font></b></font></h2>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_031jun2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020 -
  Loans to customers by activity (carrying amount) (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=31% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Collateralized loans - Loans to customers. </font></b></font><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;">&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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">27,288</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">953</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">4,990</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">979</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">859</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3,077</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">299</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">21,014</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">312</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,639</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">432</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,389</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3,876</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,905</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">349</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">186,831</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">33,153</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">16,969</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">12,437</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">14,082</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">10,518</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,222</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7,863</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">14,253</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">10,344</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,623</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,734</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">5,192</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,109</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">565</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">7,677</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">447</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">119</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">88</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">332</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">164,901</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">22,105</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">14,899</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">9,313</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">8,668</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">7,290</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,767</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">6,966</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">108,357</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">9,881</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">11,755</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">5,196</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,595</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,506</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,950</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,389</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">56,544</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">12,224</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,144</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,117</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,073</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,784</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,817</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,577</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">159,015</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">104,166</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">4,411</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">22,568</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">26,929</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">31,898</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">19,110</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">8,072</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">107,776</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">102,423</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,243</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">21,599</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">26,403</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">31,428</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">17,602</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">7,634</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">42,645</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">484</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,730</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">407</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">152</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,247</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">154</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">8,594</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,259</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">438</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">562</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">318</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">284</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=31% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">394,148</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">138,584</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">38,009</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">36,416</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">43,129</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">47,151</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">33,314</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">16,583</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">MEMORANDUM ITEM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=31% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,690</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7,156</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">190</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,449</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,460</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,573</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,265</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,599</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:6.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(*)&#160;&#160;&#160;&#160;
The amounts included in this table are net of loss allowances.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(**)&#160;&#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;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(***) &#160;&#160;Non-profit institutions serving households. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:33.75pt;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-AU style="font-size:6.0pt;">(****)&#160; Net
of provisions.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_031dic2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=9 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">December 2019
  - Loans and advances to customers by activity (carrying amount) (Millions of
  Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td valign=top width=32% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><font color=#004481 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:9.0pt;">&nbsp;</font></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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Collateralized loans- Loans to customers. </font></b></font><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Loan to value </font></b></font></p>
  </td>
 </tr>
<tr style="height:56.25pt;">
  <td nowrap width=32% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Total (*)</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Mortgage loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Secured loans</font></b></font></p>
  </td>
 <td width=9% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">29,257</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,067</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">10,886</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">4,914</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,510</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,077</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3,651</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">801</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">23,114</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">281</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">13,699</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,856</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">219</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,688</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">115</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">176,474</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">26,608</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">30,313</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">22,901</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">10,082</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">8,478</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,270</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">10,190</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">15,171</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,497</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,114</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,313</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,765</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,476</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">457</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">600</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">7,146</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">756</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">468</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">499</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">248</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">152</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">219</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">154,157</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">21,355</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">27,731</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">20,089</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">8,069</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">6,850</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,707</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">9,371</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">104,661</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">8,665</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">19,058</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">12,647</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,620</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,828</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,727</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,901</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">49,496</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">12,690</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">8,673</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">7,442</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,449</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,022</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,980</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,470</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">167,117</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">108,031</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5,582</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">23,057</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">27,714</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">32,625</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">20,529</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">9,688</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">110,178</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">104,796</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,332</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">20,831</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">26,639</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">31,707</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">18,701</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">9,250</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">46,356</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">507</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,075</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">450</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">174</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,502</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">140</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">10,583</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,728</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,175</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,776</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">759</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">744</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">326</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">298</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=32% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">395,962</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">135,987</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">60,480</font></b></font></p>
  </td>
 <td nowrap width=9% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">52,728</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">39,525</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">42,283</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">41,138</font></b></font></p>
  </td>
 <td nowrap width=8% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">20,794</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">MEMORANDUM ITEM:</font></i></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=9% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=8% style="height:12.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=32% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,450</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7,396</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">256</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,547</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,427</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,572</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,247</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,859</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:6.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(*)&#160;&#160;&#160;&#160;
The amounts included in this table are net of loss allowances.</font></font></p>

<p style="border:none;margin-bottom:3.0pt;margin-left:0cm;margin-right:33.75pt;margin-top:3.0pt;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(**)&#160;&#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;page-break-after:avoid;text-align:justify;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(***)&#160;&#160; Non-profit institutions serving households. </font></font></p>

<p style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:33.75pt;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-AU style="font-size:6.0pt;">(****)&#160; Net
of provisions.</font></font><font face=Arial,sans-serif style="border:none;">
&nbsp;</font></p>

<h2 style="border:none;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;">&nbsp;</h2>
<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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-69</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_148"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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:avoid;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">c)&#160;&#160;&#160;
Information on the concentration of risk by activity and geographical area</font></b></font></h2>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_041jun2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif style="font-size:8.0pt;">June 2020 (Millions
  of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td nowrap width=40% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">TOTAL (*)</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Spain</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">European Union Other</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">America</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Other</font></b></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=40% style="border:none;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">153,008</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">43,317</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">32,695</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">48,761</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">28,235</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">General governments</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">143,603</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">65,118</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">12,903</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">53,724</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,858</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">104,712</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">48,642</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">12,563</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">31,921</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">11,586</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">38,891</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">16,476</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">340</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">21,803</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">272</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">54,666</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">16,118</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">12,571</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">18,172</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7,805</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-financial institutions
  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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">243,525</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">75,102</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">24,076</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">97,039</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">47,308</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">17,881</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,602</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">105</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">11,776</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,398</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">11,089</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">5,475</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,493</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,437</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,684</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">214,555</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">66,025</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">22,478</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">83,826</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">42,226</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">152,516</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">39,983</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">21,671</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">62,039</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">28,823</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 20.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">62,039</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">26,042</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">807</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">21,787</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">13,403</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap valign=bottom width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">159,731</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">90,439</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2,859</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">55,535</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">10,898</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">107,776</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">74,162</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,806</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">28,760</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,048</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">42,646</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">11,788</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">686</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">22,631</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">7,541</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td width=40% style="height:12.75pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">9,309</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,489</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">367</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">4,144</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">309</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=40% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">754,533</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">290,094</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">85,104</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">273,231</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">106,104</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;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(*) The
definition of risk for the purpose of this statement includes the following
items on the public balance sheet: &#8220;Loans and advances to credit institutions&#8221;,
&#8220;Loans and advances&#8221;, &#8220;Debt securities&#8221;, &#8220;Equity instruments&#8221;, &#8220;Other equity
securities&#8221;, &#8220;Derivatives and hedging derivatives&#8221;, &#8220;Investments in
subsidiaries, joint ventures and associates&#8221; and &#8220;Guarantees given and
contingent risks&#8221;. The amounts included in this table are net of loss
allowances.</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_Anexo.XI_041dic2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:12.75pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif style="font-size:8.0pt;">December 2019
  (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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#0A5FB4 face=Arial,sans-serif style="border:none;"><b><font color=#0A5FB4 face=Arial,sans-serif style="font-size:8.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">TOTAL(*)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Spain</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">European Union Other</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">America</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">109,471</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">23,127</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">40,332</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">31,851</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">14,161</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">General governments</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">134,929</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">56,478</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">9,861</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">57,174</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,416</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">96,639</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">39,573</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">9,505</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">36,287</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">11,274</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">38,290</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">16,905</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">20,887</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">142</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">52,406</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">13,822</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">19,828</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">15,749</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3,007</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Non-financial
  institutions 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">232,034</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">70,762</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">25,963</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">92,198</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">43,111</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">18,915</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,538</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">361</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">11,688</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,328</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">10,607</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">5,403</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,303</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,431</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">2,470</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">202,512</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">61,821</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">24,299</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">79,079</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">37,313</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">147,643</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">37,402</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">23,310</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">61,858</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">25,073</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">54,869</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">24,419</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">989</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">17,221</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">12,240</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">167,379</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">90,829</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">3,180</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">62,098</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,272</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">110,178</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">75,754</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">725</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">30,557</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,142</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">46,358</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">11,954</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">675</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">25,897</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">7,832</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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">10,843</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">3,121</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,780</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">5,644</font></font></p>
  </td>
 <td nowrap width=11% style="height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">298</font></font></p>
  </td>
 </tr>
<tr style="height:12.75pt;">
  <td nowrap width=45% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">TOTAL</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">696,219</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">255,018</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">99,165</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">259,070</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;height:12.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">82,967</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;text-indent:0cm;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:6.0pt;">(*) The
definition of risk for the purpose of this statement includes the following
items on the public balance sheet: &#8220;Loans and advances to credit institutions&#8221;,
&#8220;Loans and advances&#8221;, &#8220;Debt securities&#8221;, &#8220;Equity instruments&#8221;, &#8220;Other equity
securities&#8221;, &#8220;Derivatives and hedging derivatives&#8221;, &#8220;Investments in
subsidiaries, joint ventures and associates&#8221; and &#8220;Guarantees given and
contingent risks&#8221;. The amounts included in this table are net of loss
allowances.</font></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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-70</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_149"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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-AU style="font-size:11.0pt;">APPENDIX II. Additional information
on risk concentration</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:avoid;text-align:justify;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;">Quantitative
information 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:0cm;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-AU style="font-size:8.0pt;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:10.0pt;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-AU style="font-size:8.0pt;">Lending for real
estate development of the loans as of June 30, 2020, and December 31, 2019 is
shown below:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_094junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:9.0pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:9.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">June 2020.
  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:21.0pt;">
  <td width=59% style="border:none;border-bottom:solid black 1.0pt;height:21.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross amount</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Drawn Over the Guarantee Value </font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Accumulated impairment </font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=59% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">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:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;">2,717</font></b></font></p>
  </td>
 <td nowrap width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;">701</font></b></font></p>
  </td>
 <td nowrap width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><b><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(311)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Of which: Impaired assets</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">552</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">271</font></i></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(264)</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Memorandum item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=13% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Write-offs</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,253</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Memorandum item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=13% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total loans
  and advances to customers, excluding the General Governments (Business in
  Spain) (book Value)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">193,056</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total
  consolidated assets (total business) (book value)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">753,824</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Impairment
  and provisions for normal exposures</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(5,957)</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></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:auto;text-align:justify;"><font color=#263238 face=Arial,sans-serif style="border:none;"><font color=#263238 face=Arial,sans-serif lang=ES style="font-size:10.0pt;">&nbsp;</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_091_2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=4 width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">December
  2019. 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=59% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">&#160;amount&nbsp;</font></b></font></p>
  </td>
 <td width=14% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Drawn Over the Guarantee Value </font></b></font></p>
  </td>
 <td width=13% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Accumulated impairment </font></b></font></p>
  </td>
 </tr>
<tr style="height:18.0pt;">
  <td width=59% style="border:none;border-bottom:solid black 1.0pt;height:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">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:18.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,649</font></b></font></p>
  </td>
 <td nowrap width=14% 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:0cm;margin-bottom:.0001pt;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;">688</font></b></font></p>
  </td>
 <td nowrap width=13% 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:0cm;margin-bottom:.0001pt;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;">(286)</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Of which: Impaired assets</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">567</font></i></font></p>
  </td>
 <td nowrap width=14% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">271</font></i></font></p>
  </td>
 <td nowrap width=13% style="border:none;height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">(252)</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Memorandum item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=13% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Write-offs</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">2,265</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Memorandum item:</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></i></font></p>
  </td>
 <td nowrap width=13% style="height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total loans
  and advances to customers, excluding the General Governments (Business in
  Spain)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">185,893</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Total
  consolidated assets (total business)</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">698,690</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr style="height:15.95pt;">
  <td width=59% style="height:15.95pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Impairment
  and provisions for normal exposures</font></i></font></p>
  </td>
 <td nowrap width=14% style="height:15.95pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">(4,934)</font></i></font></p>
  </td>
 <td nowrap width=14% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=13% style="background:#E9E9E9;height:15.95pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
</table></div>



<font color=#094FA4 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;page-break-after:auto;text-align:justify;"><font color=#263238 face=Arial,sans-serif style="border:none;"><font color=#263238 face=Arial,sans-serif lang=EN-AU style="font-size:10.0pt;">&nbsp;</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 face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-71</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_150"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;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_121junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:25.5pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:25.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:22.5pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">Without secured
  loan</font></b></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">372</font></b></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">298</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="border:none;border-bottom:solid black 1.0pt;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">With secured loan </font></b></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">2,345</font></b></font></p>
  </td>
 <td nowrap width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">2,351</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Terminated buildings</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,371</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">1,461</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Homes</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,029</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,088</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">342</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">373</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Buildings under
  construction</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">647</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">545</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Homes</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">404</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">348</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">243</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">197</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Land</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">328</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">345</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Urbanized land</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">223</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">240</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Rest of land</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">104</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">105</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=64% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">2,717</font></b></font></p>
  </td>
 <td nowrap width=18% style="background:#5AC4C4;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">2,649</font></b></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The table below provides the
breakdown of the financial guarantees given as of June 30, 2020 and December
31, 2019:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_191junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=3 nowrap width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  guarantees given (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=65% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=18% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 <td width=17% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:23.25pt;">
  <td valign=bottom width=65% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Financial
  guarantees given in relation to construction and real estate development</font></font></p>
  </td>
 <td nowrap width=18% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">59</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:23.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">44</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=65% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Amount
  recognized on the liabilities of the balance sheets</font></font></p>
  </td>
 <td nowrap width=18% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">4</font></font></p>
  </td>
 <td nowrap width=17% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">5</font></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">The information on the retail
mortgage portfolio risk (housing mortgage) as of June 30, 2020 and December 31,
2019 is as follows:</font></font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_130junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">June 2020.
  Financing allocated by credit institutions to construction and real estate
  development and lending for house purchase.&#160; </font></font><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif style="font-size:8.0pt;">(Millions of
  Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:20.25pt;">
  <td width=62% style="border:none;border-bottom:solid black 1.0pt;height:20.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td width=19% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Gross amount</font></b></font></p>
  </td>
 <td width=19% 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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><i><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Of which: impaired loans</font></i></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=62% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Houses purchase loans</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">75,534</font></font></p>
  </td>
 <td nowrap width=19% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">2,961</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Without mortgage</font></font></p>
  </td>
 <td nowrap width=19% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1,661</font></font></p>
  </td>
 <td nowrap width=19% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">25</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=62% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">With mortgage</font></font></p>
  </td>
 <td nowrap width=19% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">73,873</font></font></p>
  </td>
 <td nowrap width=19% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">2,936</font></i></font></p>
  </td>
 </tr>
<tr style="height:24.0pt;">
  <td colspan=3 width=100% style="background:#E9E9E9;height:24.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:7.0pt;">December
  2019. Financing allocated by credit institutions to construction and real
  estate development and lending for house purchase. </font></font><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif style="font-size:7.0pt;">(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=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:7.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#002146 face=Arial,sans-serif style="border:none;"><b><i><font color=#002146 face=Arial,sans-serif style="font-size:7.0pt;">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 style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">76,961</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:7.0pt;">2,943</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=62% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:7.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:7.0pt;">1,672</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:7.0pt;">22</font></font></p>
  </td>
 </tr>
<tr style="height:13.5pt;">
  <td width=62% style="height:13.5pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:7.0pt;">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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:7.0pt;">75,289</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:7.0pt;">2,921</font></font></p>
  </td>
 </tr>
</table></div>



<font color=#263238 face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=#263238 face=Arial,sans-serif style="border:none;"><font color=#263238 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:0cm;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-72</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

</DIV>
</DIV><HR noshade STYLE="page-break-after: always" align="center" width="100%" size=2><a name="page_151"></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: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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><font face=BBVABentonSansLight lang=ES style="font-size:10.0pt;line-height:.7pt;">&nbsp;</font></font></p>


</DIV>
<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">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_144junio_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:15.0pt;">
  <td colspan=7 width=100% style="background:#E9E9E9;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total risk
  over the amount of the last valuation available (Loan To Value) (*)</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td nowrap valign=bottom width=34% style="height:15.0pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">&nbsp;</font></font></p>
  </td>
 <td colspan=6 width=66% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Total risk over the amount of the last valuation available (Loan
  To Value)</font></b></font></p>
  </td>
 </tr>
<tr style="height:33.75pt;">
  <td width=34% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Less than or equal to 40%</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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Over 40% but less than or equal to 60%</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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">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:33.75pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=34% style="border:none;height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Gross amount. June
  2020</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">15,233</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">19,350</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">20,517</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,282</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">7,491</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">73,873</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">of which: Impaired
  loans</font></i></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:0cm;margin-bottom:.0001pt;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;">188</font></i></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:0cm;margin-bottom:.0001pt;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;">332</font></i></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:0cm;margin-bottom:.0001pt;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;">505</font></i></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:0cm;margin-bottom:.0001pt;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;">534</font></i></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:0cm;margin-bottom:.0001pt;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;">1,377</font></i></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:0cm;margin-bottom:.0001pt;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;">2,936</font></i></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td valign=bottom width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Gross amount.
  December 2019</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">15,105</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">19,453</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">20,424</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">11,827</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">8,480</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">75,289</font></font></p>
  </td>
 </tr>
<tr style="height:15.0pt;">
  <td width=34% style="height:15.0pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><i><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">of which: Impaired
  loans</font></i></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:0cm;margin-bottom:.0001pt;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;">182</font></i></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:0cm;margin-bottom:.0001pt;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;">313</font></i></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:0cm;margin-bottom:.0001pt;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;">506</font></i></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:0cm;margin-bottom:.0001pt;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;">544</font></i></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:0cm;margin-bottom:.0001pt;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;">1,376</font></i></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:0cm;margin-bottom:.0001pt;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;">2,921</font></i></font></p>
  </td>
 </tr>
</table></div>



<p style="border:none;margin:0cm;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-AU style="font-size:8.0pt;line-height:115%;">(*) The LTV is calculated based on the last available appraisal of
the property or valuation of the real estate guarantee. Taking into account
only the last available appraisal, as of June 30, 2020, the percentage of
mortgage operations with LTV&gt; 80% would be 11%.</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;page-break-after:avoid;text-align:justify;"><font face=Arial,sans-serif style="border:none;"><font face=Arial,sans-serif lang=EN-AU style="font-size:8.0pt;line-height:115%;">Outstanding home mortgage loans as
of June 30, 2020 and December 31, 2019 had an average LTV of 47%. 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 align=left><table border=0 cellpadding=0 cellspacing=0 title="F_I_XII_154_2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Information
  about assets received in payment of debts (Business in Spain) (Millions of
  Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=5 width=50% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">June 2020</font></b></font></p>
  </td>
 </tr>
<tr style="height:56.25pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004481 face=Arial,sans-serif style="border:none;"><b><font color=#004481 face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td colspan=2 width=14% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Gross</font></b></font></p>
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Value</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Valuation adjustments on impaired assets</font></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><i><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:8.0pt;">Of which: Valuation adjustments on impaired assets, from the
  time of foreclosure</font></i></b></font></p>
  </td>
 <td width=12% style="border:none;border-bottom:solid black 1.0pt;height:56.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:8.0pt;">Carrying amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Real estate
  assets from loans to the construction and real estate development sectors in
  Spain.</font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">987</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">(514)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><i><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">(238)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">473</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Terminated buildings</font></font></p>
  </td>
 <td nowrap width=2% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">361</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(149)</font></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(58)</font></i></font></p>
  </td>
 <td nowrap width=12% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">212</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Homes</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">206</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">(79)</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:0cm;margin-bottom:.0001pt;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;">(32)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">127</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">155</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">(70)</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:0cm;margin-bottom:.0001pt;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;">(26)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">85</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Buildings under construction</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">66</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(27)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(11)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">39</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Homes</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">65</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">(26)</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:0cm;margin-bottom:.0001pt;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;">(11)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">39</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">1</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">(1)</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:0cm;margin-bottom:.0001pt;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;">-</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">Land</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">560</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(338)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><i><font color=black face=Arial,sans-serif style="font-size:8.0pt;">(169)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">222</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Urbanized land</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">517</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">(317)</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:0cm;margin-bottom:.0001pt;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;">(152)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">200</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">Rest of land</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">43</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">(21)</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:0cm;margin-bottom:.0001pt;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;">(17)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:8.0pt;">22</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Real estate
  assets from mortgage financing for households for the purchase of a home</font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">1,163</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">(622)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><i><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">(169)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">541</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Rest of
  foreclosed real estate assets </font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">471</font></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">(249)</font></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><i><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">(41)</font></i></b></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">222</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments, investments and financing to non-consolidated companies holding
  said assets</font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">1,344</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">(351)</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><i><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">(313)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#004580 face=Arial,sans-serif style="border:none;"><b><font color=#004580 face=Arial,sans-serif style="font-size:8.0pt;">993</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=2% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">3,965</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">(1,736)</font></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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:8.0pt;">(761)</font></i></b></font></p>
  </td>
 <td nowrap width=12% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:8.0pt;">2,229</font></b></font></p>
  </td>
 </tr>
</table></div>



<font color=#263238 face=Arial,sans-serif style="border:none;">
&nbsp;</font>

<p style="border:none;margin:0cm;margin-bottom:10.0pt;margin-left:0cm;margin-right:0cm;margin-top:10.0pt;text-align:justify;"><font color=#263238 face=Arial,sans-serif style="border:none;"><font color=#263238 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:0cm;margin-bottom:10.0pt;mso-border-shadow:yes;mso-padding-alt:31.0pt 31.0pt 31.0pt 31.0pt;text-align:center;"><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;mso-fareast-font-family:BBVABentonSansLight;"><font face=Arial,sans-serif lang=ES style="font-size:10.0pt;line-height:115%;">F-73</font></font><font face=Arial,sans-serif style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;">&nbsp;</font><font face=Arial,sans-serif style="mso-ascii-font-family:Times New Roman;mso-bidi-font-family:Times New Roman;mso-hansi-font-family:Times New Roman;">&nbsp;</font></p>

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<DIV bclHeader>


<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;text-align:justify;"><font face=BBVABentonSansLight style="border:none;mso-ansi-language:ES;mso-fareast-font-family:BBVABentonSansLight;"><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_152_2020_F_XBRL" style="border-collapse:collapse;width:100%;">
 <tr style="height:11.25pt;">
  <td colspan=6 nowrap width=100% style="background:#E9E9E9;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#02A5A5 face=Arial,sans-serif style="border:none;"><font color=#02A5A5 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Information about assets received in payment of debts (Business
  in Spain) (Millions of Euros)</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td nowrap valign=bottom width=50% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=navy face=Arial,sans-serif style="border:none;"><b><font color=navy face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></font></p>
  </td>
 <td colspan=4 width=48% 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:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">December 2019</font></b></font></p>
  </td>
 </tr>
<tr style="height:67.5pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:67.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:67.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=11% style="border:none;border-bottom:solid black 1.0pt;height:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Gross</font></b></font></p>
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:center;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Value</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:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Valuation adjustments on impaired assets</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:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><i><font color=#072146 face=Arial,sans-serif lang=EN-US style="font-size:6.0pt;">Of which: Valuation adjustments on impaired assets, from the
  time of foreclosure</font></i></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:67.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=#072146 face=Arial,sans-serif style="border:none;"><b><font color=#072146 face=Arial,sans-serif style="font-size:6.0pt;">Carrying amount</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td width=50% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Real estate
  assets from loans to the construction and real estate development sectors in
  Spain</font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">1,048</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;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;">(555)</font></b></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;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:6.0pt;">(266)</font></i></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;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;">493</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Terminated buildings</font></font></p>
  </td>
 <td nowrap width=2% style="border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">378</font></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(150)</font></font></p>
  </td>
 <td nowrap width=17% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(58)</font></i></font></p>
  </td>
 <td nowrap width=10% style="border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">228</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Homes</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">221</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(81)</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(33)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">140</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">157</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(69)</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(25)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">88</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Buildings under construction</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">79</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(44)</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(24)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">35</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Homes</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">78</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(43)</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(24)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">35</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Other</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">1</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(1)</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">-</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">-</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">Land</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">591</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(361)</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(184)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">230</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Urbanized land</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">547</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(338)</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(167)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">209</font></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="height:11.25pt;padding:0cm 2.0pt 0cm 11.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=#666666 face=Arial,sans-serif style="border:none;"><font color=#666666 face=Arial,sans-serif style="font-size:6.0pt;">Rest of land</font></font></p>
  </td>
 <td nowrap width=2% style="height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">&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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">44</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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">(23)</font></font></p>
  </td>
 <td nowrap width=17% style="height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(17)</font></i></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:0cm;margin-bottom:.0001pt;text-align:right;"><font color=black face=Arial,sans-serif style="border:none;"><font color=black face=Arial,sans-serif style="font-size:6.0pt;">21</font></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Real estate
  assets from mortgage financing for households for the purchase of a home</font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">1,192</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;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;">(612)</font></b></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;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:6.0pt;">(153)</font></i></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;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;">580</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Rest of
  foreclosed real estate assets </font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</font></b></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:0cm;margin-bottom:.0001pt;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;">451</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;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;">(233)</font></b></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;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:6.0pt;">(37)</font></i></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;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;">218</font></b></font></p>
  </td>
 </tr>
<tr style="height:22.5pt;">
  <td valign=bottom width=50% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><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;">Equity
  instruments, investments and financing to non-consolidated companies holding
  said assets</font></b></font></p>
  </td>
 <td nowrap width=2% style="border:none;border-bottom:solid black 1.0pt;height:22.5pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">&nbsp;</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:0cm;margin-bottom:.0001pt;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;">1,380</font></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;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;">(293)</font></b></font></p>
  </td>
 <td nowrap width=17% 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:0cm;margin-bottom:.0001pt;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:6.0pt;">(255)</font></i></b></font></p>
  </td>
 <td nowrap width=10% 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:0cm;margin-bottom:.0001pt;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;">1,087</font></b></font></p>
  </td>
 </tr>
<tr style="height:11.25pt;">
  <td width=50% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">Total</font></b></font></p>
  </td>
 <td nowrap width=2% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 0cm 0cm 0cm;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">&nbsp;</font></b></font></p>
  </td>
 <td nowrap width=11% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">4,071</font></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">(1,693)</font></b></font></p>
  </td>
 <td nowrap width=17% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;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;">(711)</font></i></b></font></p>
  </td>
 <td nowrap width=10% style="background:#5AC4C4;border:none;height:11.25pt;padding:0cm 2.0pt 0cm 2.0pt;">
  <p align=right style="border:none;margin:0cm;margin-bottom:.0001pt;text-align:right;"><font color=white face=Arial,sans-serif style="border:none;"><b><font color=white face=Arial,sans-serif style="font-size:6.0pt;">2,378</font></b></font></p>
  </td>
 </tr>
</table></div>











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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;text-align:justify;"><font style="border:none;mso-ansi-language:ES;mso-bidi-font-size:11.0pt;"><font face="Times New Roman,serif" 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: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;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">SIGNATURES</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;text-indent:18.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></font></p>

<p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-top:9.0pt;text-align:justify;text-indent:24.5pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">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>

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

<div align=right>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:4.0pt;">
  <td width=21% style="height:4.0pt;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=79% style="height:4.0pt;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>
  <td colspan=2 valign=top width=100% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:12.0pt;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:10.0pt;">BANCO BILBAO VIZCAYA ARGENTARIA, S.A.</font></font></p>
  </td>
 </tr>
<tr style="height:12.0pt;">
  <td width=21% style="height:12.0pt;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:10.0pt;">&nbsp;</font></font></p>
  </td>
 <td width=79% style="height:12.0pt;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:10.0pt;">&nbsp;</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=21% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:12.0pt;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">By:</font></font></p>
  </td>
 <td valign=bottom width=79% style="padding:0cm 0cm 0cm 0cm;">
  <div style="border:none;border-bottom:solid black 1.0pt;padding:31.0pt 31.0pt 0cm 31.0pt;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;padding:0cm;"><font style="border:none;"><font face="Times New Roman,serif" style="font-size:10.0pt;">/s/
  Jaime S&#225;enz de Tejada Pulido </font></font></p>
  </div>

<div style="border:none;border-top:solid black 1.0pt;padding:0cm 31.0pt 31.0pt 31.0pt;">
  <p align=center style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:0cm;margin-right:0cm;margin-top:1.0pt;padding:0cm;text-align:center;text-indent:0cm;"><font color=black style="border:none;"><font color=black face="Times New Roman,serif" style="font-size:0pt;layout-grid-mode:line;line-height:1.0pt;">1.</font><font color=black face="Times New Roman" style="font-size:7.0pt;layout-grid-mode:line;line-height:1.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font></font><font style="border:none;"><font face="Times New Roman,serif" style="font-size:4.0pt;line-height:1.0pt;">&nbsp;</font></font></p>
  </div>

  </td>
 </tr>
<tr style="height:13.8pt;">
  <td valign=top width=21% style="height:13.8pt;padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:12.0pt;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Name:</font></font></p>
  </td>
 <td valign=bottom width=79% style="height:13.8pt;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:10.0pt;">Jaime S&#225;enz
  de Tejada Pulido</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=21% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:12.0pt;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Title:&#160;&#160; </font></font></p>
  </td>
 <td valign=bottom width=79% style="padding:0cm 0cm 0cm 0cm;">
  <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:10.0pt;">Chief
  Financial Officer</font></font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=21% style="padding:0cm 0cm 0cm 0cm;">
  <p style="border:none;margin:0cm;margin-bottom:.0001pt;margin-left:12.0pt;text-indent:-12.0pt;"><font style="border:none;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Date:</font></font></p>
  </td>
 <td valign=bottom width=79% style="padding:0cm 0cm 0cm 0cm;">
  <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:10.0pt;">July
  31, 2020</font></font></p>
  </td>
 </tr>
</table>


</div>

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




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<DOCUMENT>
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end
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<DOCUMENT>
<TYPE>EX-101.INS
<SEQUENCE>12
<FILENAME>bbva-20200630.xml
<DESCRIPTION>XBRL INSTANCE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!--Documents rendered in XBRL format prepared by Certent CDM XBRL Version: 19.11.1-->
<!-- XBRL 2.1 & Dimensional Validation Status: Passed. -->
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<!-- CDM/Internal Validation Status: Passed -->
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    </xbrli:divide>
  </xbrli:unit>
  <bbva:Hedginginstrumentsaffectedbyibor id="ID_0" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:417.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Millions of Euros &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:11pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;LIBOR USD &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;LIBOR GBP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Other - TIIE (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,588&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Hedginginstrumentsaffectedbyibor>
  <bbva:Totalassetsoperatingsegment id="ID_1" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Total assets by operating segments (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;419,475&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;365,380&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101,118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88,529&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103,671&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109,079&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63,525&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64,416&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57,891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54,996&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,805&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,257&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal assets by operating segments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;772,485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;705,656&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Corporate Center and adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18,661)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6,967)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total assets BBVA Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;753,824&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;698,690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Totalassetsoperatingsegment>
  <bbva:Incomebyoperatingsegment id="ID_2" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:491.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:491.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Main margins and profit by operating segments (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&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:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='6' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Operating segments&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:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33.75pt;' &gt;&lt;td style='width:119.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:119.25pt;' &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:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;BBVA Group&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:8pt;font-weight:bold;color:#072146;' &gt;Spain&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:8pt;font-weight:bold;color:#072146;' &gt;The United &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;States&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:8pt;font-weight:bold;color:#072146;' &gt;Mexico&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:8pt;font-weight:bold;color:#072146;' &gt;Turkey&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:8pt;font-weight:bold;color:#072146;' &gt;South America&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:8pt;font-weight:bold;color:#072146;' &gt;Rest&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Eurasia&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:8pt;font-weight:bold;color:#072146;' &gt;Corporate Center&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Net interest income&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,653&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:Black;min-width:46.5pt;' &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:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &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:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,717&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,534&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,443&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&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:Black;min-width:46.5pt;' &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:11.25pt;' &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:8pt;color:#000000;' &gt;Gross income&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:8pt;color:#000000;' &gt;12,045&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:8pt;color:#000000;' &gt;2,900&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:8pt;color:#000000;' &gt;1,607&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:8pt;color:#000000;' &gt;3,550&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:8pt;color:#000000;' &gt;1,957&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:8pt;color:#000000;' &gt;1,664&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:8pt;color:#000000;' &gt;268&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:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Operating income&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:8pt;color:#000000;' &gt;6,533&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:8pt;color:#000000;' &gt;1,371&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:8pt;color:#000000;' &gt;648&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:8pt;color:#000000;' &gt;2,349&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:8pt;color:#000000;' &gt;1,394&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:8pt;color:#000000;' &gt;945&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:8pt;color:#000000;' &gt;131&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:8pt;color:#000000;' &gt;(307)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Profit/(loss) before tax&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:8pt;color:#000000;' &gt;(368)&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:8pt;color:#000000;' &gt;124&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:8pt;color:#000000;' &gt;15&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:8pt;color:#000000;' &gt;891&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:8pt;color:#000000;' &gt;715&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:8pt;color:#000000;' &gt;297&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:8pt;color:#000000;' &gt;89&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:8pt;color:#000000;' &gt;(2,500)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Net attributable profit (loss)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1,157)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;654&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(2,416)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Net interest income&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,941&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,763&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,217&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,042&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,353&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,613&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;85&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:Black;min-width:46.5pt;' &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:11.25pt;' &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:8pt;color:#000000;' &gt;Gross income&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:8pt;color:#000000;' &gt;11,944&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:8pt;color:#000000;' &gt;2,773&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:8pt;color:#000000;' &gt;1,615&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:8pt;color:#000000;' &gt;3,901&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:8pt;color:#000000;' &gt;1,677&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:8pt;color:#000000;' &gt;1,994&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:8pt;color:#000000;' &gt;220&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: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:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Operating income&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:8pt;color:#000000;' &gt;6,069&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:8pt;color:#000000;' &gt;1,145&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:8pt;color:#000000;' &gt;655&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:8pt;color:#000000;' &gt;2,611&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:8pt;color:#000000;' &gt;1,084&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:8pt;color:#000000;' &gt;1,215&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:8pt;color:#000000;' &gt;78&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:8pt;color:#000000;' &gt;(718)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Profit/(loss) before tax&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:8pt;color:#000000;' &gt;4,052&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:8pt;color:#000000;' &gt;1,027&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:8pt;color:#000000;' &gt;363&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:8pt;color:#000000;' &gt;1,783&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:8pt;color:#000000;' &gt;726&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:8pt;color:#000000;' &gt;847&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:8pt;color:#000000;' &gt;69&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:8pt;color:#000000;' &gt;(762)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Net attributable profit (loss)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,287&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(616)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Incomebyoperatingsegment>
  <bbva:Principalgeographicalareasgdp id="ID_3" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:615pt;text-align:left;vertical-align:bottom;background-color:#E9E9E9;border-color:Black;min-width:615pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#02A5A5;' &gt;Estimate of GDP, unemployment rate and HPR for the main geographies&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &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:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Date&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;HPR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;HPR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;HPR&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11.54%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.49%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4.08%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(9.97%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.59%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4.40%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.82%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(0.33%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17.33%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.24%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.08%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.45%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.53%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.58%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(0.39%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.94%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15.68%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.28%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.18%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.03%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;0.09%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.36%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.24%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.86%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.09%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.42%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.01%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.49%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.06%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(0.02%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.08%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.09%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.59%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.07%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.25%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.65%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.05%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;0.67%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.09%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.10%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.14%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2025&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12.11%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.11%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.46%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;0.95%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.11%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.10%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.55%&lt;/font&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 style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Peru&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Argentina&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Colombia&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Date&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(14.97%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;30.07%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.94%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.23%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.07%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.95%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;0.15%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.03%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.86%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.10%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.54%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.98%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.13%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.04%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.43%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.48%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.23%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.64%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.81%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.78%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.68%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.39%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.96%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9.70%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.32%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.63%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.52%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.38%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.63%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.30%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.97%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.47%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.42%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.51%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.23%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2025&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.21%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.20%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.99%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.78%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.70%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.22%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.50%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.03%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Principalgeographicalareasgdp>
  <bbva:Operationsandamountsfromtheloansgivenbythegroupwithpublicguarantees id="ID_4" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:417pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;COVID-19 support programs  (Millions of Euros) &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:161.25pt;' &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:173.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:173.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Deferment of payments&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Financing with&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt; public guarantees&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &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:57.75pt;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:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Existing &lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;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:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Completed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;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:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29,668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;36,259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13,791&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,975&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mortgages&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,470&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &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:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;SMEs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,723&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &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:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,006&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &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:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,126&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Operationsandamountsfromtheloansgivenbythegroupwithpublicguarantees>
  <ifrs-full:DisclosureOfCreditRiskExposureExplanatory id="ID_5" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:490.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:490.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#02A5A5;' &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:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;70,093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,862&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;37,591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;4,998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;250&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,058&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Derivatives (trading and hedging) &lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;51,649&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;70,207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;68,385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;68,079&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,789&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;463,887&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;413,517&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;34,686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;15,684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,859&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;400,764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;350,558&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,568&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15,637&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;43,473&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;43,346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Total financial assets risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;661,932&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:10.5pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Total loan commitments and financial guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;184,046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;171,130&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;11,987&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;929&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;134,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;126,310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,957&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10,989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38,563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35,111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,010&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;845,978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:490.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:490.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#02A5A5;' &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:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;69,503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,303&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;5,557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,327&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;1,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Derivatives (trading and hedging) &lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;39,462&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;61,293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;58,841&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;58,590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;250&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,420&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;451,640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;402,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;33,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;15,993&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;394,763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;345,449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33,360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15,954&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38,930&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38,790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Total financial assets risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;628,670&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:10.5pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Total loan commitments and financial guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;181,116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;169,663&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;10,452&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;1,001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;130,923&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;123,707&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;270&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10,984&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,804&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39,209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;36,151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;506&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;809,786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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;</ifrs-full:DisclosureOfCreditRiskExposureExplanatory>
  <bbva:Disclosureofcreditriskexposurebygeographicalareaexplanatory id="ID_6" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='13' rowspan='1' style='width:571.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:571.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#02A5A5;' &gt;June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Gross exposure&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Accumulated allowances&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Spain (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;206,649&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;184,249&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,077&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5,734)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(824)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(785)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4,125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;200,915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;183,425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,292&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,198&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;61,572&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52,860&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;773&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,028)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(317)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(471)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(240)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;60,544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52,542&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51,414&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;45,386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,972)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(761)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(459)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(752)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;49,442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;44,626&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,374&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Turkey (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;44,061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;36,113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,532&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2,865)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(215)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(600)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2,050)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;41,196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35,898&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,482&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;South America (***)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;36,202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;31,099&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &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:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,804&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,944)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(390)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(422)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,131)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,258&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,876&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;672&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Others &lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;851&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;857&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &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:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:112.5pt;' &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:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;400,764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;350,558&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;34,568&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;15,637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(13,552)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(2,508)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(2,736)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(8,307)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;387,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;348,050&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;31,832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,330&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:12.75pt;' &gt;&lt;td colspan='13' rowspan='1' style='width:799.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:799.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#02A5A5;' &gt;December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Gross exposure&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Accumulated allowances&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#072146;' &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:7pt;font-weight:bold;color:#072146;' &gt;Total&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&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:7pt;font-weight:bold;color:#072146;' &gt;Total&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&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:7pt;font-weight:bold;color:#072146;' &gt;Total&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Spain (*)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;197,058&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;173,843&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,599&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,616&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5,311)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(712)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(661)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3,939)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;191,747&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;173,131&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,939&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,677&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;The United States&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:7pt;color:#000000;' &gt;57,387&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:7pt;color:#000000;' &gt;49,744&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:7pt;color:#000000;' &gt;7,011&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:7pt;color:#000000;' &gt;632&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:7pt;color:#000000;' &gt;(688)&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:7pt;color:#000000;' &gt;(165)&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:7pt;color:#000000;' &gt;(342)&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:7pt;color:#000000;' &gt;(182)&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:7pt;color:#000000;' &gt;56,699&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:7pt;color:#000000;' &gt;49,580&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:7pt;color:#000000;' &gt;6,670&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:7pt;color:#000000;' &gt;450&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Mexico&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:7pt;color:#000000;' &gt;60,099&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:7pt;color:#000000;' &gt;54,748&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:7pt;color:#000000;' &gt;3,873&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:7pt;color:#000000;' &gt;1,478&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:7pt;color:#000000;' &gt;(2,013)&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:7pt;color:#000000;' &gt;(697)&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:7pt;color:#000000;' &gt;(404)&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:7pt;color:#000000;' &gt;(912)&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:7pt;color:#000000;' &gt;58,087&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:7pt;color:#000000;' &gt;54,052&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:7pt;color:#000000;' &gt;3,469&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:7pt;color:#000000;' &gt;566&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Turkey (**)&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:7pt;color:#000000;' &gt;43,113&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:7pt;color:#000000;' &gt;34,536&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:7pt;color:#000000;' &gt;5,127&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:7pt;color:#000000;' &gt;3,451&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:7pt;color:#000000;' &gt;(2,613)&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:7pt;color:#000000;' &gt;(189)&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:7pt;color:#000000;' &gt;(450)&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:7pt;color:#000000;' &gt;(1,974)&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:7pt;color:#000000;' &gt;40,500&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:7pt;color:#000000;' &gt;34,347&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:7pt;color:#000000;' &gt;4,677&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:7pt;color:#000000;' &gt;1,477&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;South America (***)&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:7pt;color:#000000;' &gt;36,265&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:7pt;color:#000000;' &gt;31,754&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:7pt;color:#000000;' &gt;2,742&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:7pt;color:#000000;' &gt;1,769&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:7pt;color:#000000;' &gt;(1,769)&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:7pt;color:#000000;' &gt;(366)&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:7pt;color:#000000;' &gt;(323)&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:7pt;color:#000000;' &gt;(1,079)&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:7pt;color:#000000;' &gt;34,497&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:7pt;color:#000000;' &gt;31,388&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:7pt;color:#000000;' &gt;2,419&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:7pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Others &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:7pt;color:#000000;' &gt;839&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:7pt;color:#000000;' &gt;824&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:7pt;color:#000000;' &gt;7&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:7pt;color:#000000;' &gt;9&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:7pt;color:#000000;' &gt;(8)&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:7pt;color:#000000;' &gt;(1)&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:7pt;color:#000000;' &gt;(1)&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:7pt;color:#000000;' &gt;(6)&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:7pt;color:#000000;' &gt;832&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:7pt;color:#000000;' &gt;823&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:7pt;color:#000000;' &gt;6&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:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:124.5pt;' &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:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;394,763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;345,449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;33,360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;15,954&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(12,402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(2,129)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(2,181)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(8,093)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;382,360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;343,320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;31,179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,861&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofcreditriskexposurebygeographicalareaexplanatory>
  <bbva:Loansandadvancesbreakdownbycounterparty id="ID_7" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&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:755.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:755.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#02A5A5;' &gt;June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29.25pt;' &gt;&lt;td style='width:203.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By product&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;2,126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;2,844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,048&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,555&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;11,717&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;13,283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Commercial debtors&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;796&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;470&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;12,805&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,444&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;7,561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;351&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,474&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;430&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;2,269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;887&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,656&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;4,311&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;25,930&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,518&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;153,588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;154,750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;350,890&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;362,342&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,812&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,437&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,632&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,688&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;4,773&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;27,343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;14,875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;13,535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;179,132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;167,892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;407,549&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;421,137&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By secured loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: mortgage loans collateralized by immovable property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;953&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;30,850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;106,609&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;138,712&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;142,457&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;430&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;4,660&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;1,763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;1,629&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;16,238&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;4,675&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;29,396&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;29,986&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By purpose of the loan&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;43,048&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;43,048&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;46,148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;108,159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;108,159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;110,005&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,328&lt;/font&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='9' rowspan='1' style='width:765.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:765.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#02A5A5;' &gt;December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By product&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;2,328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,050&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,940&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;16,355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;17,608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Commercial debtors &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;971&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;15,976&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;17,276&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;17,617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,091&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;387&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;9,095&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,848&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;4,240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;26,734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;4,121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;7,795&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;137,934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;160,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;341,047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;351,230&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;865&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;7,743&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,056&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;951&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;506&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;13,156&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;13,214&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;4,275&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;28,816&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;13,682&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;11,208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;167,246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;176,211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;401,438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;413,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By secured loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: mortgage loans collateralized by immovable property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;1,067&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;23,575&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;111,085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;136,003&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;139,317&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;10,447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;93&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;2,106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;29,009&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;6,893&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;48,548&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;49,266&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By purpose of the loan&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;46,356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;46,356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;49,474&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;110,178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;110,178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;111,636&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,415&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Loansandadvancesbreakdownbycounterparty>
  <bbva:Financialguaranteereceived id="ID_8" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Guarantees received (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-weight:bold;color:#004481;' &gt;Value of collateral&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;157,585 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;152,454 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-style:italic;color:#666666;' &gt;Of which: guarantees normal risks under special monitoring&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;14,983 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;14,623 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-style:italic;color:#666666;' &gt;Of which: guarantees non-performing risks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;4,204 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;4,590 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-weight:bold;color:#004481;' &gt;Value of other guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;55,840 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;35,464 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-style:italic;color:#666666;' &gt;Of which: guarantees normal risks under special monitoring&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;4,239 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;3,306 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-style:italic;color:#666666;' &gt;Of which: guarantees non-performing risks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;559 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;542 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total value of guarantees received&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;213,425 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;187,918 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialguaranteereceived>
  <bbva:Loansandadvancesimpairedandaccumulatedimpairment id="ID_9" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:13.15pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:538.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:538.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:45pt;' &gt;&lt;td style='width:250.5pt;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:#003366;' &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:8pt;font-weight:bold;color:#072146;' &gt;Gross carrying amount&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:8pt;font-weight:bold;color:#072146;' &gt;Non-performing 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:8pt;font-weight:bold;color:#072146;' &gt;Accumulated impairment&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:8pt;font-weight:bold;color:#072146;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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: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:8pt;color:#000000;' &gt;4,792&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:8pt;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:8pt;color:#000000;' &gt;(19)&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:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27,342&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:8pt;color:#000000;' &gt;77&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:8pt;color:#000000;' &gt;(83)&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:8pt;color:#000000;' &gt;0.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,859&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:8pt;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:8pt;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:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,585&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:8pt;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:8pt;color:#000000;' &gt;(50)&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:8pt;color:#000000;' &gt;0.1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;185,821&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:8pt;color:#000000;' &gt;8,190&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:8pt;color:#000000;' &gt;(7,224)&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:8pt;color:#000000;' &gt;4.4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Households&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:8pt;color:#000000;' &gt;174,015&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:8pt;color:#000000;' &gt;7,352&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:8pt;color:#000000;' &gt;(6,195)&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:8pt;color:#000000;' &gt;4.2%&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:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;420,414&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15,643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(13,588)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.7%&lt;/font&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='5' rowspan='1' style='width:538.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:538.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:45pt;' &gt;&lt;td style='width:250.5pt;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:#003366;' &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:8pt;font-weight:bold;color:#072146;' &gt;Gross carrying amount&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:8pt;font-weight:bold;color:#072146;' &gt;Non-performing 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:8pt;font-weight:bold;color:#072146;' &gt;Accumulated impairment &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:8pt;font-weight:bold;color:#072146;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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: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:8pt;color:#000000;' &gt;4,285&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:8pt;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:8pt;color:#000000;' &gt;(9)&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:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,281&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:8pt;color:#000000;' &gt;88&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:8pt;color:#000000;' &gt;(60)&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:8pt;color:#000000;' &gt;0.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,664&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:8pt;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:8pt;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:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,239&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:8pt;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:8pt;color:#000000;' &gt;(31)&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:8pt;color:#000000;' &gt;0.2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;173,254&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:8pt;color:#000000;' &gt;8,467&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:8pt;color:#000000;' &gt;(6,465)&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:8pt;color:#000000;' &gt;4.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Households&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:8pt;color:#000000;' &gt;181,989&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:8pt;color:#000000;' &gt;7,381&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:8pt;color:#000000;' &gt;(5,847)&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:8pt;color:#000000;' &gt;4.1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;412,711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,427)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Loansandadvancesimpairedandaccumulatedimpairment>
  <bbva:Changesinimpairedfinancialassetsandcontingentrisks id="ID_10" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Changes in impaired financial assets and guarantees given (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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;/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;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,857&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;Decreases (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2,517)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5,874)&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;font-weight:bold;color:#004481;' &gt;Net additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,064&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3,983&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;Amounts written-off&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,778)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3,803)&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;Exchange differences and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(322)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,770&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Changesinimpairedfinancialassetsandcontingentrisks>
  <bbva:Changesinvaluecorrectionsloansandadvancesatamortizedcost id="ID_11" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Changes in loss allowances of loans and advances at amortized cost (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning of the period &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,427)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,217)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Increase in loss allowances charged to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6,723)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10,236)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,603)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,650)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,771)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,923)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3,350)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Decrease in loss allowances charged to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,070&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,990&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;960&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;812&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,298&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,298&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,380&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfer to written-off loans, exchange differences and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,036&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt; Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(13,588)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,427)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Changesinvaluecorrectionsloansandadvancesatamortizedcost>
  <bbva:Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss id="ID_12" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:24.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:22.5pt;' &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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,327&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;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;250&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;110&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;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,557&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss>
  <bbva:Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory id="ID_13" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:24pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:18pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#004481;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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:12pt;' &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;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,098 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,214 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;font-weight:bold;color:#004481;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;914&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;944&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,656&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Other financial liabilities: Unit-linked products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,410&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10,010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory>
  <bbva:Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory id="ID_14" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;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:22.5pt;' &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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,789&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,420&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;color:#000000;' &gt;Debt securities (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;68,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58,731&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;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;70,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;61,183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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: loss allowances of debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(162)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(110)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments id="ID_15" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:391.5pt;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:391.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial assets at fair value through other comprehensive income. Equity instruments (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:102pt;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:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#0066CC;' &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:#072146;' &gt;Amortized cost&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:#072146;' &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:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Amortized cost&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:#072146;' &gt;Fair value &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:#004481;' &gt;Listed equity instruments&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:#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:#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:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Spanish companies shares&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;2,182&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;1,141&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;2,181&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;1,674&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Foreign companies shares&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;140&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;199&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;136&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;213&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;The United States&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:#808080;' &gt;31&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:#808080;' &gt;79&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:#808080;' &gt;30&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:#808080;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Mexico&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:#808080;' &gt;1&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:#808080;' &gt;29&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:#808080;' &gt;1&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:#808080;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Turkey&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:#808080;' &gt;3&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:#808080;' &gt;6&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:#808080;' &gt;3&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:#808080;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Other countries&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:#808080;' &gt;106&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:#808080;' &gt;85&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:#808080;' &gt;102&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:#808080;' &gt;96&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,322&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,340&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,886&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;font-weight:bold;color:#004481;' &gt;Unlisted 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;font-weight:bold;color:#FFFFFF;' &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;font-weight:bold;color:#FFFFFF;' &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;font-weight:bold;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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Spanish companies shares&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;5&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;5&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;5&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;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Foreign companies shares &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;376&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;444&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;450&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;528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;The United States&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:#808080;' &gt;318&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:#808080;' &gt;351&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:#808080;' &gt;387&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:#808080;' &gt;419&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Mexico&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:#808080;' &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:#808080;' &gt;1&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:#808080;' &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:#808080;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Turkey&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:#808080;' &gt;6&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:#808080;' &gt;9&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:#808080;' &gt;5&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:#808080;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Other countries&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:#808080;' &gt;52&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:#808080;' &gt;83&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:#808080;' &gt;57&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:#808080;' &gt;99&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;533&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,703&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,789&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,772&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,420&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities id="ID_16" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:391.5pt;text-align:left;vertical-align:middle;background-color:#F2F2F2;border-color:Black;min-width:391.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial assets at fair value through other comprehensive income. Debt securities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#0066CC;' &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:#072146;' &gt;Amortized cost &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:#072146;' &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:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Amortized cost &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:#072146;' &gt;Fair value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:#004481;' &gt;Domestic debt securities&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:#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;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;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;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;/tr&gt;&lt;tr style='height:22.5pt;' &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;Government and other government agency debt securities&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;28,151&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;28,913&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;20,740&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;21,550&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Credit institutions&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;1,050&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;1,110&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;959&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;1,024&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Other issuers&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;899&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;936&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;907&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;947&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30,100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22,607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23,521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;font-weight:bold;color:#004481;' &gt;Foreign debt securities&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;font-weight:bold;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;font-weight:bold;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;font-weight:bold;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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:#004481;' &gt;Mexico&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;7,224&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;7,375&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;7,790&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;7,786&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Government and other government agency debt securities&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;6,359&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;6,527&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;6,869&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;6,868&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Credit institutions&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;62&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;63&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;77&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;78&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Other issuers&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;803&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;786&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;843&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;840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;font-weight:bold;color:#004481;' &gt;The United States&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;font-weight:bold;color:#004481;' &gt;10,267&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;font-weight:bold;color:#004481;' &gt;10,421&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;font-weight:bold;color:#004481;' &gt;11,376&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;font-weight:bold;color:#004481;' &gt;11,393&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Government securities &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;6,572&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;6,698&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;8,570&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;8,599&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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:#808080;' &gt;Treasury and other government agencies&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:#808080;' &gt;4,049&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:#808080;' &gt;4,113&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:#808080;' &gt;5,595&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:#808080;' &gt;5,624&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;States and political subdivisions &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:#808080;' &gt;2,523&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:#808080;' &gt;2,585&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:#808080;' &gt;2,975&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:#808080;' &gt;2,975&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Credit institutions&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;157&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;158&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;122&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;124&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Other issuers&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;3,538&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;3,565&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;2,684&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;2,670&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;font-weight:bold;color:#004481;' &gt;Turkey&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;font-weight:bold;color:#004481;' &gt;3,801&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;font-weight:bold;color:#004481;' &gt;3,840&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;font-weight:bold;color:#004481;' &gt;3,752&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;font-weight:bold;color:#004481;' &gt;3,713&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Government and other government agency debt securities&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;3,801&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;3,840&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;3,752&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;3,713&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;font-weight:bold;color:#004481;' &gt;Other countries&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;font-weight:bold;color:#004481;' &gt;15,143&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;font-weight:bold;color:#004481;' &gt;15,628&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;font-weight:bold;color:#004481;' &gt;11,870&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;font-weight:bold;color:#004481;' &gt;12,318&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Other foreign governments and other government agency debt securities&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;7,519&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;7,861&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;6,963&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;7,269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Central banks&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;1,481&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;1,484&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;1,005&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;1,010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Credit institutions&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;2,425&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;2,517&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;1,795&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;1,892&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Other issuers&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;3,717&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;3,766&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;2,106&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;2,147&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;36,436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;37,264&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;34,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;35,210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66,536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;68,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;57,395&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;58,731&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities>
  <bbva:Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyrating id="ID_17" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Debt securities by rating&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:9pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:133.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:133.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Fair value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:9pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,806&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;834&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;626&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,796&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45.6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;Unclassified&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;412&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;68,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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>
  <bbva:Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets id="ID_18" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:395.25pt;text-align:left;vertical-align:top;background-color:#E9E9E9;border-color:Black;min-width:395.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other comprehensive income - Changes in gains / losses (Millions of Euros)&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:bottom;border-color:Black;min-width:140.25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;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;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:140.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:140.25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&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;font-weight:bold;color:#072146;' &gt;Notes&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;font-weight:bold;color:#072146;' &gt;June 2020&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;font-weight:bold;color:#072146;' &gt;December 2019&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;font-weight:bold;color:#072146;' &gt;June 2020&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;font-weight:bold;color:#072146;' &gt;December 2019&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;background-color:#5AC4C4;border-color:Black;min-width:140.25pt;' &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:51pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;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;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,760&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;943&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(403)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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;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;Valuation gains and losses&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:9pt;color:#004FA4;' &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;137&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;1,267&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;(562)&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;(238)&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;Amounts transferred to income&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:9pt;color:#004FA4;' &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;(71)&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;(119)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;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;background-color:#BFBFBF;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: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;Income tax&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:9pt;color:#004FA4;' &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;4&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;(331)&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&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)&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;background-color:#5AC4C4;border-color:Black;min-width:140.25pt;' &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:51pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,830&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,760&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(940)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(403)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets>
  <bbva:Tableoffinancialassetsatamortisedcost id="ID_19" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial assets at amortized cost (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:26.25pt;' &gt;&lt;td style='width:250.5pt;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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;43,396&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;38,877&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;4,773&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;4,275&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;14,842&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;13,649&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;387,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;382,360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27,259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,222&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,207&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;178,598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;166,789&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;167,820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;176,142&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;450,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;439,162&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: impaired assets of loans and advances to customers (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;15,637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;15,954&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: loss allowances of loans and advances (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(13,588)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(12,427)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: loss allowances of debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(52)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoffinancialassetsatamortisedcost>
  <ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory id="ID_20" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Loans and advances to customers (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,050&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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 card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,276&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,711&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;342,180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;332,160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,704&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,784&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;387,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;382,360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory>
  <ifrs-full:DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory id="ID_21" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:23.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:22.5pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &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;color:#000000;' &gt;Derivatives - Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,729&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Derivatives - Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,233&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory>
  <ifrs-full:DisclosureOfJointVenturesExplanatory id="ID_22" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Joint ventures and associates (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Joint ventures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Associates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,366&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,488&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfJointVenturesExplanatory>
  <bbva:Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments id="ID_23" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:bottom;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Tangible assets. Breakdown by type  (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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;border-bottom-style:solid;border-bottom-width:1;text-align:left;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;Property plant and equipment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;8,796&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9,816&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;For own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;8,578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9,554&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Land and buildings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Work in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Furniture, fixtures and vehicles&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,954&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,351&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Right to use assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,516&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5,957)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5,969)&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(447)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &gt;&lt;td style='width:250.5pt;text-align:left;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;Leased out under an operating lease&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;263&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Assets leased out under an operating lease&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;280&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;337&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(62)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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;Investment property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Building rental &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;211&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Right to use assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10,068&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments>
  <ifrs-full:DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory id="ID_24" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:543pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:543pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Goodwill. Breakdown by CGU and changes of the period (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &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;font-weight:bold;color:#44546A;' &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;font-weight:bold;color:#072146;' &gt;The United States&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;font-weight:bold;color:#072146;' &gt;Turkey&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;font-weight:bold;color:#072146;' &gt;Mexico&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;font-weight:bold;color:#072146;' &gt;Colombia&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;font-weight:bold;color:#072146;' &gt;Chile&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;font-weight:bold;color:#072146;' &gt;Other&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;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &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;font-weight:bold;color:#44546A;' &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;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;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;&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;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;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;&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;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;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;&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;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;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;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &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: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;98&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;(36)&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;31&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;3&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;(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;(1)&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;93&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&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;(1,318)&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;-&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;-&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;(1,318)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;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;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,846&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,955&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &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: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;58&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;(45)&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;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&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;(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;(1)&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;(111)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&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;(2,084)&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;-&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;-&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;(2,084)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of June 30, 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;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;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;450&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,760&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory>
  <bbva:Impairmenttesthypothesescgugoodwillintheunitedstates id="ID_25" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Impairment test assumptions 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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;March 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &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;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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;/table&gt;&lt;/div&gt;</bbva:Impairmenttesthypothesescgugoodwillintheunitedstates>
  <bbva:Sensitivityanalysisformainhypothesesusa id="ID_26" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:437.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:437.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Sensitivity analysis for main assumptions - The United States (Millions of Euros)&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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Increase of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Decrease of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &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;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(755)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;869&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19.5pt;' &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;Growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(235)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Sensitivityanalysisformainhypothesesusa>
  <bbva:Impairmenttesthypothesescgugoodwillinturkey id="ID_27" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;March 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.45pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.45pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:Sensitivityanalysisformainhypothesesturkey id="ID_28" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:400.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:400.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Sensitivity analysis for main assumptions - Turkey (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:103.5pt;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:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Impact of an increase of 50 basis points &lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Impact of a decrease of 50 basis points &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-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;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(166)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:103.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Sensitivityanalysisformainhypothesesturkey>
  <ifrs-full:DisclosureOfIntangibleAssetsWithIndefiniteUsefulLifeExplanatory id="ID_29" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other intangible assets (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27.75pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Computer software acquisition expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,532&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &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;Other intangible assets with an infinite useful life&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other intangible assets with a definite useful life&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;401&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfIntangibleAssetsWithIndefiniteUsefulLifeExplanatory>
  <bbva:Tableoftaxassetsandliabiltiiesexplanatory id="ID_30" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Tax assets and liabilities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,318&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;17,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Tax liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;560&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;880&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,968&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,928&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,529&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,808&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoftaxassetsandliabiltiiesexplanatory>
  <bbva:Tableofotherassetsandliabilitiesexplanatory id="ID_31" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other assets and liabilities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#004481;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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: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;Inventories&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;615&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Transactions in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Accruals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;929&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other items&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,277&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,800&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;font-weight:bold;color:#004481;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Transactions in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Accruals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,456&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other items&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,247&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,742&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofotherassetsandliabilitiesexplanatory>
  <bbva:Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory id="ID_32" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:18.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20.25pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreclosures and recoveries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,487&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,647&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Assets from tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;310&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Business sale - Assets (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,728&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,716&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other assets classified as held for sale (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;279&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accrued amortization (***)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(54)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(534)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(543)&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:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,079&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory>
  <bbva:Tableoffinancialliabilitiesatamortizedcostexplanatory id="ID_33" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial liabilities measured 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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;481,207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;438,919&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Deposits from central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Time deposits and other (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;41,040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;25,101&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;5,341&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;826&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Deposits from credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,751&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;9,553&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;7,161&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Time deposits and other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;19,062&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;18,896&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;3,742&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;2,693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;402,184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;384,219&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Demand deposits (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;308,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;280,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Time deposits and other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;93,671&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;103,293&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;535&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64,421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63,963&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,758&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;559,713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;516,641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoffinancialliabilitiesatamortizedcostexplanatory>
  <bbva:Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory id="ID_34" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Deposits from credit institutions. June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Time deposits &amp;amp; other(*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,466&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,483&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,238&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,228&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;713&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,779&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,205&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,965&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,778&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,367&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;613&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,364&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9,553&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;19,062&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,742&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32,356&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;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' &gt;Deposits from credit institutions. December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Demand deposits &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Time deposits &amp;amp; other (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,082&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,634&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;302&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;924&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,374&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,568&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7,161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18,896&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,693&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28,751&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory>
  <bbva:Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory id="ID_35" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Customer deposits. June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40.5pt;' &gt;&lt;td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Time deposits &amp;amp; other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;158,036&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;180,265&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;75,720&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39,161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50,840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,421&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,012&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39,522&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;943&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;411&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;308,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;93,671&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;402,184&lt;/font&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:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Customer deposits. December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40.5pt;' &gt;&lt;td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Time deposits and other (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;146,651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24,958&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;171,611&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46,372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,810&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66,181&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43,326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;523&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56,564&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,257&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36,042&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,748&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,913&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36,661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,610&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,749&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;909&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,801&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;280,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;103,293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;384,219&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory>
  <bbva:Tableoffinancialliabilitiesexplanatory id="ID_36" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:321pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:321pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Lease liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Creditors for other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,887&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,623&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Collection accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,532&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,306&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Creditors for other payment obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,494&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;14,085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13,758&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableoffinancialliabilitiesexplanatory>
  <bbva:Disclosureofdebtsecuritiesissuedexplanatory id="ID_37" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;42,329&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;40,185&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;737&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,472&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,248&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,232&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,542&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,817&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,470&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,968&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible perpetual certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;3,500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;5,000&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Non-convertible preferred stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other non-convertible subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;3,891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;2,885&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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;In foreign currencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;22,092&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;23,778&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,364&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,587&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;279&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;362&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;656&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;780&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,218&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,666&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible perpetual certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;1,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;1,782&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Non- convertible preferred stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other non-convertible subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;7,377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;7,808&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;64,421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63,963&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofdebtsecuritiesissuedexplanatory>
  <bbva:LiabilitiesUnderReassuranceAndAssuranceContracts id="ID_38" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Liabilities under insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,247&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9,462&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10,606&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:LiabilitiesUnderReassuranceAndAssuranceContracts>
  <bbva:Provisionsbreakdownbyconcepts id="ID_39" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Provisions. Breakdown by concepts (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Provisions for pensions and similar obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Other long term employee benefits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Provisions for taxes and other legal contingencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;677&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Provisions for contingent risks and commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other provisions (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;457&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,538&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Provisionsbreakdownbyconcepts>
  <bbva:Disclosureofconsolidatedincomestatementimpactexplanatory id="ID_40" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Condensed consolidated income statement impact (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Interest income and expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Personnel expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Defined contribution plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Defined benefit plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Provisions, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total: expense (income)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;247&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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;/table&gt;&lt;/div&gt;</bbva:Disclosureofconsolidatedincomestatementimpactexplanatory>
  <bbva:Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory id="ID_41" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Retained earnings and other reserves  (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retained earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30,589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29,388&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other reserves &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(160)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29,268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory>
  <bbva:Noncontrolinginterestexplanatory id="ID_42" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Non-controlling interests: breakdown by subgroups (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Garanti BBVA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,988&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,240&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;BBVA Peru&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;BBVA Argentina&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;439&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;422&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;BBVA Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;BBVA Venezuela&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,201&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Noncontrolinginterestexplanatory>
  <bbva:Profitatributabletononcontrolinginterest id="ID_43" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Profit attributable to non-controlling interests (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti BBVA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Peru&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Argentina&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Venezuela&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;333&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Profitatributabletononcontrolinginterest>
  <bbva:Eligiblecapitalresources id="ID_44" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Capital ratios (phased-in)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eligible Common Equity Tier 1 capital (millions of Euros) (a)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42,118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43,653&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eligible Additional Tier 1 capital (millions of Euros) (b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,067&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,048&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eligible Tier 2 capital (millions of Euros) (c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,345&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,304&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Risk Weighted Assets (millions of Euros) (d)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;362,050&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;364,448&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Common Tier 1 capital ratio (CET 1) (A)=(a)/(d)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.63%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.98%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additional Tier 1 capital ratio (AT 1) (B)=(b)/(d)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.68%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.66%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tier 1 capital ratio (Tier 1) (A)+(B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.31%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.64%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tier 2 capital ratio (Tier 2) (C)=(c)/(d)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.58%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.28%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total capital ratio (A)+(B)+(C)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.89%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.92%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Eligiblecapitalresources>
  <bbva:Tableofleverageratio id="ID_45" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Leverage ratio&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;Tier 1 (millions of Euros) (a)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48,185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49,701&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;Exposure to leverage ratio (millions of Euros) (b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;771,590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;731,087&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;Leverage ratio (a)/(b) (percentage)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.24%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.80%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofleverageratio>
  <bbva:Loancommitmentsfinancialguaranteesandothercommitments id="ID_46" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Commitments and guarantees given (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-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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;134,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;130,923&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;font-style:italic;color:#787878;' &gt;Of which: defaulted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;270&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2,897&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3,117&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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 institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;14,450&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;11,742&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Other financial corporations &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4,955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Non-financial corporations &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;69,184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;65,475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Households &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;43,008&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;46,011&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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;10,989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;10,984&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;font-style:italic;color:#787878;' &gt;Of which: defaulted (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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 institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Other financial corporations &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;677&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;583&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9,529&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;8,986&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Households &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;295&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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Other commitments given &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;38,563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;39,209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;font-style:italic;color:#787878;' &gt;Of which: defaulted (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;506&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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 institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5,119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5,952&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3,924&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2,902&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;27,535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;29,682&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Households &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;193&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;151&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;184,046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;181,116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Loancommitmentsfinancialguaranteesandothercommitments>
  <bbva:Interestincomebreakdownbyorigin id="ID_47" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.45pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Interest 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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,071&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;80&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;975&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,031&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,911&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13,228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15,633&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Interestincomebreakdownbyorigin>
  <bbva:Interestexpensesbreakdownbyorigin id="ID_48" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Interest expense. 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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;344&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;746&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,613&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Adjustments of expense as a result of hedging transactions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(176)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;324&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,574&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,691&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Interestexpensesbreakdownbyorigin>
  <bbva:Tableofdividendincomeexplanatory id="ID_49" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Dividend income. Breakdown by headline (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.45pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofdividendincomeexplanatory>
  <bbva:DisclosureFeeAndCommissionIncomeExplanatory id="ID_50" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fee and commission income. 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: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;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;232&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit and debit cards and ATMs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,538&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Checks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;393&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other commitments and financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;199&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureFeeAndCommissionIncomeExplanatory>
  <bbva:DisclosureFeeAndCommissionExpenseExplanatory id="ID_51" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fee and commission expense. 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: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;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;798&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,191&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureFeeAndCommissionExpenseExplanatory>
  <bbva:Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument id="ID_52" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:23.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:582pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:582pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Gains (losses) on financial assets and liabilities. Breakdown by instrument (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:381.75pt;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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Debt instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;646&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;451&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,374)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;764&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Trading derivatives and hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(653)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &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;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(277)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;408&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument>
  <bbva:Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements id="ID_53" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:23.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:582pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:582pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net. Breakdown by heading (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:381.75pt;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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20.45pt;' &gt;&lt;td style='width:381.75pt;border-top-style:solid;border-top-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;color:#000000;' &gt;Gains (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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other financial assets and liabilities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on financial assets and liabilities held for trading, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;187&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;173&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:22.5pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) from hedge accounting, net &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal gains (losses) on financial assets and liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;408&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.6pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;542&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements>
  <bbva:OtherOperatingIncomeExplanatory id="ID_54" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other operating income (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hyperinflation adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;337&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:OtherOperatingIncomeExplanatory>
  <bbva:OtherOperatingExpenseExplanatory id="ID_55" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:450.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:450.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Contributions to guaranteed banks deposits funds &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;353&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hyperinflation adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;848&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:OtherOperatingExpenseExplanatory>
  <bbva:Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory id="ID_56" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:23.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Income and expense from insurance and reinsurance contracts (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income from insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,307&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,547&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Expense from insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(765)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(983)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;542&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory>
  <bbva:Personnelexpensesbreakdownexplanatory id="ID_57" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Personnel expense (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-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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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;Wages and salaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,435&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;Social security costs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;396&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Defined contribution plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Defined benefit plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other personnel expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;222&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Personnelexpensesbreakdownexplanatory>
  <bbva:Otheradministrativeexpensesexplanatory id="ID_58" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other administrative expense. Breakdown by main concepts (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-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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Technology and systems&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;604&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Communications &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Advertising&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &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;Property, fixtures and materials&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;266&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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: rent expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Taxes other than income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;199&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;203&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Surveillance and cash courier services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &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;Other expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;474&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,872&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,953&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Otheradministrativeexpensesexplanatory>
  <bbva:Tableofdepreciationandamortisationexpenseexplanatory id="ID_59" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;488&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: For own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;294&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: Right-of-use assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;192&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;302&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;790&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofdepreciationandamortisationexpenseexplanatory>
  <bbva:Tableofprovisionsexplanatory id="ID_60" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Pensions and other post employment defined benefit obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.45pt;' &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;Commitments and guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.45pt;' &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;Pending legal issues and tax litigation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;199 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.45pt;' &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;Other provisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.45pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofprovisionsexplanatory>
  <bbva:Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory id="ID_61" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:22.5pt;' &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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Intangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,087&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Others   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory>
  <bbva:Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory id="ID_62" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:25.5pt;' &gt;&lt;td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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: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;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,909&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,682&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other contingent commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;859&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;453&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;font-weight:bold;color:#004481;' &gt;Memorandum accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;156&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;166&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;color:#000000;' &gt;Other contingent commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,042&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory>
  <bbva:Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory id="ID_63" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Balances of consolidated 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:21pt;' &gt;&lt;td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Gains and losses:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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: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;Interest and other income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Interest expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Fee and commission income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Fee and commission expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory>
  <bbva:OperationsandamountsfromthemoratoriumsgivenbythegroupAbstract id="ID_64" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:606pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:606pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;COVID-19 support programs  (Millions of Euros) &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Deferment of payments&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:133.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Financing with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;public guarantees&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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:45pt;' &gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Existing &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Completed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Number of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt; customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Number of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;customers&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:8pt;font-weight:bold;color:#072146;' &gt;Total &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;deferment of payments&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt; and guarantees&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:8pt;font-weight:bold;color:#072146;' &gt;(%) credit investment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29,668  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,590  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36,259  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,138,894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,791  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;196,186&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:8pt;color:#000000;' &gt;50,050  &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:8pt;color:#000000;' &gt;11.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:OperationsandamountsfromthemoratoriumsgivenbythegroupAbstract>
  <bbva:Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory id="ID_65" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:24.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Financial assets at fair value through other comprehensive income - Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Financial assets at amortized cost (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,075&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,727&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;font-style:italic;color:#666666;' &gt;Of which: recovery of written-off assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;(145)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;(534)&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,731&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory>
  <bbva:Disclosureofcarryingvalueandfairvalueexplanatory id="ID_66" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12.75pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:636.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:636.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fair value and carrying amount (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December  2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:329.25pt;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:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:15.95pt;' &gt;&lt;td style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65,877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65,877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,303&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119,332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119,332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102,688&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102,688&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,557&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;70,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;70,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61,183&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61,183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;450,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;452,719&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;439,162&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442,788&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,729&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,729&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:15.95pt;' &gt;&lt;td style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89,633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89,633&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss &lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;559,713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;557,678&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;516,641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;515,910&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,233&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,233&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofcarryingvalueandfairvalueexplanatory>
  <bbva:Disclosureoffinancialinstrumentsatfairvaluebylevelsexplanatory id="ID_67" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='7' rowspan='1' style='width:724.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:724.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fair value of financial instruments by levels (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;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:355.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;65,686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;44,111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;30,604&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;86,964&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;31,135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;70,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,508&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,483&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33,848&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;697&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,321&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,285&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41,785&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,530&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29,546&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:22.5pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,629&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,224&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;4,305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;92&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,038&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;57,066&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;12,129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;849&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;50,896&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,084&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55,780&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;452&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49,070&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;604&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,794&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;480&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;32,880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;26,566&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;393,273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;29,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;217,279&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;196,119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;26,953&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;80,095&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,576&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;26,266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;62,541&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;827&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,727&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37,828&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;649&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Trading derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,612&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41,048&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30,419&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Short positions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,614&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,219&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:20.1pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;8,120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9,984&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;914&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;944&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,629&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,410&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;92,354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;314,925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;150,399&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;67,229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;289,599&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;159,082&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,287&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffinancialinstrumentsatfairvaluebylevelsexplanatory>
  <bbva:Tableofcashandcashequivalentsexplanatory id="ID_68" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,669&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,060&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54,442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,755&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,766&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,488&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;65,877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;44,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofcashandcashequivalentsexplanatory>
  <bbva:Financialassetsandliabilitiesheldfortrading id="ID_69" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial assets and liabilities held for trading (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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:#004481;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Derivatives (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49,239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33,185&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;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,862&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,892&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,309&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#666666;' &gt;Issued by central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;1,125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#666666;' &gt;Issued by public administrations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;23,642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;23,918&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#666666;' &gt;Issued by financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;838&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;679&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#666666;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;1,035&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;872&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Loans and advances &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37,591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;535&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Reverse repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;535&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;24,912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;21,286&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Reverse repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;24,857&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;21,219&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;12,044&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;12,482&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Reverse repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;11,026&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;12,187&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;119,332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;102,688&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-weight:bold;color:#004481;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Derivatives (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50,154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Short positions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46,637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42,365&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Deposits from central banks &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;5,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;7,635&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;5,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;7,635&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Deposits from credit institutions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;28,617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;24,969&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;28,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;24,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;12,335&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;9,761&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;12,271&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;9,689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;108,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;89,633&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Financialassetsandliabilitiesheldfortrading>
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  <ifrs-full:Assets id="ID_73" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_SegmentsAxis_country_TK" unitRef="EUR" decimals="INF">63525000000</ifrs-full:Assets>
  <ifrs-full:Assets id="ID_74" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_SegmentsAxis_country_SA" unitRef="EUR" decimals="INF">57891000000</ifrs-full:Assets>
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  <ifrs-full:Assets id="ID_78" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_SegmentsAxis_bbva_TotalMember" unitRef="EUR" decimals="INF">753824000000</ifrs-full:Assets>
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  <ifrs-full:MaximumExposureToCreditRisk id="ID_1287" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage1Member" unitRef="EUR" decimals="INF">33000000</ifrs-full:MaximumExposureToCreditRisk>
  <ifrs-full:MaximumExposureToCreditRisk id="ID_1288" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage2Member" unitRef="EUR" decimals="INF">0</ifrs-full:MaximumExposureToCreditRisk>
  <ifrs-full:MaximumExposureToCreditRisk id="ID_1289" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage3Member" unitRef="EUR" decimals="INF">0</ifrs-full:MaximumExposureToCreditRisk>
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  <ifrs-full:MaximumExposureToCreditRisk id="ID_1291" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_ifrs-full_FinancialAssetsAtAmortisedCostMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage2Member" unitRef="EUR" decimals="INF">34686000000</ifrs-full:MaximumExposureToCreditRisk>
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  <ifrs-full:MaximumExposureToCreditRisk id="ID_1293" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage1Member" unitRef="EUR" decimals="INF">4792000000</ifrs-full:MaximumExposureToCreditRisk>
  <ifrs-full:MaximumExposureToCreditRisk id="ID_1294" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage2Member" unitRef="EUR" decimals="INF">0</ifrs-full:MaximumExposureToCreditRisk>
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  <ifrs-full:MaximumExposureToCreditRisk id="ID_1297" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage2Member" unitRef="EUR" decimals="INF">32000000</ifrs-full:MaximumExposureToCreditRisk>
  <ifrs-full:MaximumExposureToCreditRisk id="ID_1298" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage3Member" unitRef="EUR" decimals="INF">6000000</ifrs-full:MaximumExposureToCreditRisk>
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  <ifrs-full:MaximumExposureToCreditRisk id="ID_1302" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_DebtsecuritiesfinancialassetsatamortisedcostMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage1Member" unitRef="EUR" decimals="INF">43346000000</ifrs-full:MaximumExposureToCreditRisk>
  <ifrs-full:MaximumExposureToCreditRisk id="ID_1303" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_CreditexposureclassesoffinancialinstrumentsAxis_bbva_DebtsecuritiesfinancialassetsatamortisedcostMember_bbva_CreditexposureclassesofstageAxis_bbva_Stage2Member" unitRef="EUR" decimals="INF">86000000</ifrs-full:MaximumExposureToCreditRisk>
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  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2774" contextRef="AS_OF_Jun30_2019_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_bbva_EquityinstrumentsMember" unitRef="EUR" decimals="INF">764000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2775" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_ifrs-full_DerivativesMember" unitRef="EUR" decimals="INF">1384000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2776" contextRef="AS_OF_Jun30_2019_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_ifrs-full_DerivativesMember" unitRef="EUR" decimals="INF">-653000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2777" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_bbva_LoansandadvancesMember" unitRef="EUR" decimals="INF">119000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2778" contextRef="AS_OF_Jun30_2019_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_bbva_LoansandadvancesMember" unitRef="EUR" decimals="INF">92000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2779" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_bbva_CustomerdepositsMember" unitRef="EUR" decimals="INF">-9000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2780" contextRef="AS_OF_Jun30_2019_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_bbva_CustomerdepositsMember" unitRef="EUR" decimals="INF">32000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2781" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_bbva_OtherMember" unitRef="EUR" decimals="INF">25000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2782" contextRef="AS_OF_Jun30_2019_Entity_0000842180_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis_bbva_OtherMember" unitRef="EUR" decimals="INF">-277000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2783" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">790000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:Gainsorlossesinfinancialassetsandliabilities id="ID_2784" contextRef="AS_OF_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">408000000</bbva:Gainsorlossesinfinancialassetsandliabilities>
  <bbva:FinancialIncomeFromNon-FinancialServices id="ID_2785" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">115000000</bbva:FinancialIncomeFromNon-FinancialServices>
  <bbva:FinancialIncomeFromNon-FinancialServices id="ID_2786" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">129000000</bbva:FinancialIncomeFromNon-FinancialServices>
  <bbva:Ofwhichhiperinflationadjustments id="ID_2787" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">39000000</bbva:Ofwhichhiperinflationadjustments>
  <bbva:Ofwhichhiperinflationadjustments id="ID_2788" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">63000000</bbva:Ofwhichhiperinflationadjustments>
  <ifrs-full:MiscellaneousOtherOperatingIncome id="ID_2789" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">76000000</ifrs-full:MiscellaneousOtherOperatingIncome>
  <ifrs-full:MiscellaneousOtherOperatingIncome id="ID_2790" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">145000000</ifrs-full:MiscellaneousOtherOperatingIncome>
  <bbva:Changeininvetories id="ID_2791" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">55000000</bbva:Changeininvetories>
  <bbva:Changeininvetories id="ID_2792" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">59000000</bbva:Changeininvetories>
  <bbva:Ofwhichdepositsguaranteefund id="ID_2793" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">397000000</bbva:Ofwhichdepositsguaranteefund>
  <bbva:Ofwhichdepositsguaranteefund id="ID_2794" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">353000000</bbva:Ofwhichdepositsguaranteefund>
  <bbva:Ofwhichhiperinflationadjustmentsexpense id="ID_2795" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">161000000</bbva:Ofwhichhiperinflationadjustmentsexpense>
  <bbva:Ofwhichhiperinflationadjustmentsexpense id="ID_2796" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">249000000</bbva:Ofwhichhiperinflationadjustmentsexpense>
  <ifrs-full:MiscellaneousOtherOperatingExpense id="ID_2797" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">235000000</ifrs-full:MiscellaneousOtherOperatingExpense>
  <ifrs-full:MiscellaneousOtherOperatingExpense id="ID_2798" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">334000000</ifrs-full:MiscellaneousOtherOperatingExpense>
  <bbva:Netincomearisingfrominsurancecontracts id="ID_2799" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">542000000</bbva:Netincomearisingfrominsurancecontracts>
  <bbva:Netincomearisingfrominsurancecontracts id="ID_2800" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">565000000</bbva:Netincomearisingfrominsurancecontracts>
  <ifrs-full:WagesAndSalaries id="ID_2801" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">2225027000</ifrs-full:WagesAndSalaries>
  <ifrs-full:WagesAndSalaries id="ID_2802" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">2434567000</ifrs-full:WagesAndSalaries>
  <ifrs-full:SocialSecurityContributions id="ID_2803" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">378556000</ifrs-full:SocialSecurityContributions>
  <ifrs-full:SocialSecurityContributions id="ID_2804" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">395948000</ifrs-full:SocialSecurityContributions>
  <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans id="ID_2805" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">26528000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
  <ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans id="ID_2806" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">24102000</ifrs-full:PostemploymentBenefitExpenseDefinedBenefitPlans>
  <ifrs-full:OtherEmployeeExpense id="ID_2807" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">194999000</ifrs-full:OtherEmployeeExpense>
  <ifrs-full:OtherEmployeeExpense id="ID_2808" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">221710000</ifrs-full:OtherEmployeeExpense>
  <bbva:Technologyandsystems id="ID_2809" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">640000000</bbva:Technologyandsystems>
  <bbva:Technologyandsystems id="ID_2810" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">604000000</bbva:Technologyandsystems>
  <ifrs-full:CommunicationExpense id="ID_2811" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">106000000</ifrs-full:CommunicationExpense>
  <ifrs-full:CommunicationExpense id="ID_2812" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">109000000</ifrs-full:CommunicationExpense>
  <ifrs-full:AdvertisingExpense id="ID_2813" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">121000000</ifrs-full:AdvertisingExpense>
  <ifrs-full:AdvertisingExpense id="ID_2814" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">158000000</ifrs-full:AdvertisingExpense>
  <bbva:Propertyfixturesandmaterials id="ID_2815" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">248000000</bbva:Propertyfixturesandmaterials>
  <bbva:Propertyfixturesandmaterials id="ID_2816" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">266000000</bbva:Propertyfixturesandmaterials>
  <bbva:Ofwhichrentexpenses id="ID_2817" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">46000000</bbva:Ofwhichrentexpenses>
  <bbva:Ofwhichrentexpenses id="ID_2818" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">52000000</bbva:Ofwhichrentexpenses>
  <bbva:Taxesotherthanincometax id="ID_2819" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">199000000</bbva:Taxesotherthanincometax>
  <bbva:Taxesotherthanincometax id="ID_2820" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">203000000</bbva:Taxesotherthanincometax>
  <bbva:Fundstransportmonitoringandsecurity id="ID_2821" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">84000000</bbva:Fundstransportmonitoringandsecurity>
  <bbva:Fundstransportmonitoringandsecurity id="ID_2822" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">92000000</bbva:Fundstransportmonitoringandsecurity>
  <ifrs-full:OtherExpenseByNature id="ID_2823" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">474000000</ifrs-full:OtherExpenseByNature>
  <ifrs-full:OtherExpenseByNature id="ID_2824" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">521000000</ifrs-full:OtherExpenseByNature>
  <bbva:Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory id="ID_2825" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:11.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Accumulated other comprehensive income. Breakdown by concepts (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#004481;' &gt;Items that will not be reclassified to profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(2,253)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(1,875)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Actuarial gains (losses) on defined benefit pension plans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,381)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,498)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:22.5pt;' &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;Fair value changes of equity instruments measured at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(940)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(403)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;font-weight:bold;color:#004481;' &gt;Items that may be reclassified to profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(10,570)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(8,351)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Hedge of net investments in foreign operations (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(312)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(896)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Foreign currency translation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12,351)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9,147)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Hedging derivatives. Cash flow hedges (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;308&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(44)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;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:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,830&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,760&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,822)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(10,226)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory>
  <bbva:Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions id="ID_2826" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">145000000</bbva:Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions>
  <bbva:Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions id="ID_2827" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">127000000</bbva:Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions>
  <bbva:Commitmentsandguaranteesgiven id="ID_2828" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">106000000</bbva:Commitmentsandguaranteesgiven>
  <bbva:Commitmentsandguaranteesgiven id="ID_2829" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">7000000</bbva:Commitmentsandguaranteesgiven>
  <bbva:Pendinglegalissuesandtaxlitigation id="ID_2830" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">199000000</bbva:Pendinglegalissuesandtaxlitigation>
  <bbva:Pendinglegalissuesandtaxlitigation id="ID_2831" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">75000000</bbva:Pendinglegalissuesandtaxlitigation>
  <bbva:Otherprovisionsorreversalofprovisions id="ID_2832" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">90000000</bbva:Otherprovisionsorreversalofprovisions>
  <bbva:Otherprovisionsorreversalofprovisions id="ID_2833" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">51000000</bbva:Otherprovisionsorreversalofprovisions>
  <bbva:Impairmentfinancialassetsmeasuredatcost id="ID_2834" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">70762000</bbva:Impairmentfinancialassetsmeasuredatcost>
  <bbva:Impairmentfinancialassetsmeasuredatcost id="ID_2835" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">4560000</bbva:Impairmentfinancialassetsmeasuredatcost>
  <bbva:Impairmentfinancialassetsatamortisedcost id="ID_2836" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">4075306000</bbva:Impairmentfinancialassetsatamortisedcost>
  <bbva:Impairmentfinancialassetsatamortisedcost id="ID_2837" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">1726872000</bbva:Impairmentfinancialassetsatamortisedcost>
  <ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff id="ID_2838" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">-144623000</ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff>
  <ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff id="ID_2839" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">-534130000</ifrs-full:GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff>
  <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss id="ID_2840" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">2149000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
  <ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss id="ID_2841" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">44000000</ifrs-full:ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss>
  <bbva:Gainsondisposalsofsubsidiaries id="ID_2842" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">1000000</bbva:Gainsondisposalsofsubsidiaries>
  <bbva:Gainsondisposalsofsubsidiaries id="ID_2843" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Gainsondisposalsofsubsidiaries>
  <ifrs-full:GainsOnDisposalsOfPropertyPlantAndEquipment id="ID_2844" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">4000000</ifrs-full:GainsOnDisposalsOfPropertyPlantAndEquipment>
  <ifrs-full:GainsOnDisposalsOfPropertyPlantAndEquipment id="ID_2845" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">13000000</ifrs-full:GainsOnDisposalsOfPropertyPlantAndEquipment>
  <bbva:Lossesondisposalsofsubsidiaries id="ID_2846" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Lossesondisposalsofsubsidiaries>
  <bbva:Lossesondisposalsofsubsidiaries id="ID_2847" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Lossesondisposalsofsubsidiaries>
  <ifrs-full:LossesOnDisposalsOfPropertyPlantAndEquipment id="ID_2848" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">-1000000</ifrs-full:LossesOnDisposalsOfPropertyPlantAndEquipment>
  <ifrs-full:LossesOnDisposalsOfPropertyPlantAndEquipment id="ID_2849" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">-6000000</ifrs-full:LossesOnDisposalsOfPropertyPlantAndEquipment>
  <bbva:Netgainslossonsales id="ID_2850" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">44000000</bbva:Netgainslossonsales>
  <bbva:Netgainslossonsales id="ID_2851" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">26000000</bbva:Netgainslossonsales>
  <ifrs-full:ImpairmentLoss id="ID_2852" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">-53000000</ifrs-full:ImpairmentLoss>
  <ifrs-full:ImpairmentLoss id="ID_2853" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">-15000000</ifrs-full:ImpairmentLoss>
  <bbva:Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations id="ID_2854" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">-9000000</bbva:Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations>
  <bbva:Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations id="ID_2855" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">11000000</bbva:Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_2856" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_AssetsMember" unitRef="EUR" decimals="INF">61000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToBanks id="ID_2857" contextRef="AS_OF_Dec31_2019_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_AssetsMember" unitRef="EUR" decimals="INF">26000000</ifrs-full:LoansAndAdvancesToBanks>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_2858" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_AssetsMember" unitRef="EUR" decimals="INF">1909000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:LoansAndAdvancesToCustomers id="ID_2859" contextRef="AS_OF_Dec31_2019_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_AssetsMember" unitRef="EUR" decimals="INF">1682000000</ifrs-full:LoansAndAdvancesToCustomers>
  <ifrs-full:DepositsFromBanks id="ID_2860" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_LiabilitiesMember" unitRef="EUR" decimals="INF">1000000</ifrs-full:DepositsFromBanks>
  <ifrs-full:DepositsFromBanks id="ID_2861" contextRef="AS_OF_Dec31_2019_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_LiabilitiesMember" unitRef="EUR" decimals="INF">3000000</ifrs-full:DepositsFromBanks>
  <ifrs-full:DepositsFromCustomers id="ID_2862" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_LiabilitiesMember" unitRef="EUR" decimals="INF">859000000</ifrs-full:DepositsFromCustomers>
  <ifrs-full:DepositsFromCustomers id="ID_2863" contextRef="AS_OF_Dec31_2019_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_LiabilitiesMember" unitRef="EUR" decimals="INF">453000000</ifrs-full:DepositsFromCustomers>
  <ifrs-full:DebtSecurities id="ID_2864" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_LiabilitiesMember" unitRef="EUR" decimals="INF">0</ifrs-full:DebtSecurities>
  <ifrs-full:DebtSecurities id="ID_2865" contextRef="AS_OF_Dec31_2019_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_ifrs-full_LiabilitiesMember" unitRef="EUR" decimals="INF">0</ifrs-full:DebtSecurities>
  <bbva:Contingentcommitments id="ID_2866" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_MemorandumaccountsMember" unitRef="EUR" decimals="INF">156000000</bbva:Contingentcommitments>
  <bbva:Contingentcommitments id="ID_2867" contextRef="AS_OF_Dec31_2019_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_MemorandumaccountsMember" unitRef="EUR" decimals="INF">166000000</bbva:Contingentcommitments>
  <bbva:OtherAccounts id="ID_2868" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_MemorandumaccountsMember" unitRef="EUR" decimals="INF">1397000000</bbva:OtherAccounts>
  <bbva:OtherAccounts id="ID_2869" contextRef="AS_OF_Dec31_2019_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_MemorandumaccountsMember" unitRef="EUR" decimals="INF">1042000000</bbva:OtherAccounts>
  <bbva:Financialguaranteesgiven id="ID_2870" contextRef="AS_OF_Jun30_2020_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_MemorandumaccountsMember" unitRef="EUR" decimals="INF">50000000</bbva:Financialguaranteesgiven>
  <bbva:Financialguaranteesgiven id="ID_2871" contextRef="AS_OF_Dec31_2019_Entity_0000842180_ifrs-full_CategoriesOfRelatedPartiesAxis_bbva_MemorandumaccountsMember" unitRef="EUR" decimals="INF">106000000</bbva:Financialguaranteesgiven>
  <bbva:InterestincomeandothersimilarinterestIncomes id="ID_2872" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">9000000</bbva:InterestincomeandothersimilarinterestIncomes>
  <bbva:InterestincomeandothersimilarinterestIncomes id="ID_2873" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">26000000</bbva:InterestincomeandothersimilarinterestIncomes>
  <bbva:Interestexpensesfromoperationswithgroupentities id="ID_2874" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Interestexpensesfromoperationswithgroupentities>
  <bbva:Interestexpensesfromoperationswithgroupentities id="ID_2875" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">1000000</bbva:Interestexpensesfromoperationswithgroupentities>
  <bbva:Feeandcommissionincomegroupentities id="ID_2876" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">3000000</bbva:Feeandcommissionincomegroupentities>
  <bbva:Feeandcommissionincomegroupentities id="ID_2877" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">2000000</bbva:Feeandcommissionincomegroupentities>
  <bbva:Feeandcommissionexpensegroupentities id="ID_2878" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">19000000</bbva:Feeandcommissionexpensegroupentities>
  <bbva:Feeandcommissionexpensegroupentities id="ID_2879" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">14000000</bbva:Feeandcommissionexpensegroupentities>
  <bbva:Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory id="ID_2880" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:31.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Gains (losses) 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:23.25pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory>
  <bbva:Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory id="ID_2881" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&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:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:14.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory>
  <ifrs-full:CurrentTaxAssets id="ID_2882" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">1182000000</ifrs-full:CurrentTaxAssets>
  <ifrs-full:CurrentTaxAssets id="ID_2883" contextRef="AS_OF_Dec31_2019_Entity_0000842180" unitRef="EUR" decimals="INF">1765000000</ifrs-full:CurrentTaxAssets>
  <ifrs-full:DeferredTaxAssets id="ID_2884" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">15536000000</ifrs-full:DeferredTaxAssets>
  <ifrs-full:DeferredTaxAssets id="ID_2885" contextRef="AS_OF_Dec31_2019_Entity_0000842180" unitRef="EUR" decimals="INF">15318000000</ifrs-full:DeferredTaxAssets>
  <ifrs-full:LiabilitiesDueToCentralBanks id="ID_2886" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">46667000000</ifrs-full:LiabilitiesDueToCentralBanks>
  <ifrs-full:LiabilitiesDueToCentralBanks id="ID_2887" contextRef="AS_OF_Dec31_2019_Entity_0000842180" unitRef="EUR" decimals="INF">25950000000</ifrs-full:LiabilitiesDueToCentralBanks>
  <ifrs-full:RevaluationSurplus id="ID_2888" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:RevaluationSurplus>
  <ifrs-full:RevaluationSurplus id="ID_2889" contextRef="AS_OF_Dec31_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:RevaluationSurplus>
  <ifrs-full:OutflowsOfCashFromInvestingActivities id="ID_2890" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">-269000000</ifrs-full:OutflowsOfCashFromInvestingActivities>
  <ifrs-full:OutflowsOfCashFromInvestingActivities id="ID_2891" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">-1030000000</ifrs-full:OutflowsOfCashFromInvestingActivities>
  <bbva:Purchaseoftangibleassetsclassifiedasinvestingactivities id="ID_2892" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">-14000000</bbva:Purchaseoftangibleassetsclassifiedasinvestingactivities>
  <bbva:Purchaseoftangibleassetsclassifiedasinvestingactivities id="ID_2893" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">-672000000</bbva:Purchaseoftangibleassetsclassifiedasinvestingactivities>
  <ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities id="ID_2894" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">-256000000</ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities>
  <ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities id="ID_2895" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">-358000000</ifrs-full:PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities>
  <ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod id="ID_2896" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">1000000</ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod>
  <ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod id="ID_2897" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod>
  <bbva:Otherbusinessunits id="ID_2898" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Otherbusinessunits>
  <bbva:Otherbusinessunits id="ID_2899" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Otherbusinessunits>
  <bbva:Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations id="ID_2900" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations>
  <bbva:Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations id="ID_2901" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations>
  <ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities id="ID_2902" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities>
  <ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities id="ID_2903" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities>
  <ifrs-full:InflowsOfCashFromInvestingActivities id="ID_2904" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">136000000</ifrs-full:InflowsOfCashFromInvestingActivities>
  <ifrs-full:InflowsOfCashFromInvestingActivities id="ID_2905" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">432000000</ifrs-full:InflowsOfCashFromInvestingActivities>
  <ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities id="ID_2906" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">3000000</ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities>
  <ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities id="ID_2907" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities>
  <ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities id="ID_2908" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities>
  <ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities id="ID_2909" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities>
  <ifrs-full:ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod id="ID_2910" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">27000000</ifrs-full:ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod>
  <ifrs-full:ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod id="ID_2911" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">358000000</ifrs-full:ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod>
  <ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities id="ID_2912" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities>
  <ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities id="ID_2913" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities>
  <ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations id="ID_2914" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">105000000</ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations>
  <ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations id="ID_2915" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations>
  <bbva:Proceedsfromothercollectionsrelatedtoinvestingactivities id="ID_2916" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</bbva:Proceedsfromothercollectionsrelatedtoinvestingactivities>
  <bbva:Proceedsfromothercollectionsrelatedtoinvestingactivities id="ID_2917" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">74000000</bbva:Proceedsfromothercollectionsrelatedtoinvestingactivities>
  <ifrs-full:CashOnHand id="ID_2918" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">5669000000</ifrs-full:CashOnHand>
  <ifrs-full:CashOnHand id="ID_2919" contextRef="AS_OF_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">5544000000</ifrs-full:CashOnHand>
  <ifrs-full:CashAndBankBalancesAtCentralBanks id="ID_2920" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">60207000000</ifrs-full:CashAndBankBalancesAtCentralBanks>
  <ifrs-full:CashAndBankBalancesAtCentralBanks id="ID_2921" contextRef="AS_OF_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">39021000000</ifrs-full:CashAndBankBalancesAtCentralBanks>
  <ifrs-full:OtherFinancialAssets id="ID_2922" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:OtherFinancialAssets>
  <ifrs-full:OtherFinancialAssets id="ID_2923" contextRef="AS_OF_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:OtherFinancialAssets>
  <ifrs-full:BankOverdraftsClassifiedAsCashEquivalents id="ID_2924" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:BankOverdraftsClassifiedAsCashEquivalents>
  <ifrs-full:BankOverdraftsClassifiedAsCashEquivalents id="ID_2925" contextRef="AS_OF_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">0</ifrs-full:BankOverdraftsClassifiedAsCashEquivalents>
  <bbva:AccumulatedReserves id="ID_2926" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">30589000000</bbva:AccumulatedReserves>
  <bbva:AccumulatedReserves id="ID_2927" contextRef="AS_OF_Dec31_2019_Entity_0000842180" unitRef="EUR" decimals="INF">29388000000</bbva:AccumulatedReserves>
  <bbva:Voluntaryreserves id="ID_2928" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">-160000000</bbva:Voluntaryreserves>
  <bbva:Voluntaryreserves id="ID_2929" contextRef="AS_OF_Dec31_2019_Entity_0000842180" unitRef="EUR" decimals="INF">-119000000</bbva:Voluntaryreserves>
  <bbva:Totalretainedearningsrevaluationreservesandotherreserves id="ID_2930" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">30429000000</bbva:Totalretainedearningsrevaluationreservesandotherreserves>
  <bbva:Totalretainedearningsrevaluationreservesandotherreserves id="ID_2931" contextRef="AS_OF_Dec31_2019_Entity_0000842180" unitRef="EUR" decimals="INF">29268000000</bbva:Totalretainedearningsrevaluationreservesandotherreserves>
  <ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations id="ID_2932" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:left;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;2.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;Principles &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;of consolidation, accounting policies, measurement bases applied and recent IFRS pronouncements and interpretations&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The accounting policies and methods applied for the preparation of the accompany&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ing consolidated Financial Statements do not differ significantly to those applied in the consolidated Financial Statements of the Group for the year ended December 31, 2019 (Note 2), except for the entry into force of new standards and interpretations in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2020.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations>
  <bbva:Standardsandinterpretationsnotenteredintoforce id="ID_2933" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2    Standards &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;and interpretations issued but not yet effective as of June 30, 2020&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &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 Statements, but are not mandatory as of June 30, 2020. Although in so&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;me cases the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;International Accounting Standards Board (&amp;#8220;IASB&amp;#8221;) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 16 &amp;#8211;Leases &amp;#8211; COVID-19 modifications&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;On May 28, 2020, the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;IASB approved an amendment to IFRS 16 to include a practical expedient to the accounting treatment for rent concessions (moratoriums and temporary rent reductions) that occur due to COVID-19 (see Note 1.5).&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The amendment permits lessees to account for rent&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; concessions as if they were not lease modifications to the initial ones. It is applicable to rent concessions related to COVID-19, which reduces lease payments before June 30, 2021.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;This &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;amendment is effective from June 1, 2020 and is expected to be endorsed by the European Union in the second half of 2020. The amendment is not expected to have a significant impact on the consolidated Financial Statements of the Group&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 17 &amp;#8211; Insurance contracts&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;This Standard will be applied to the accounting years &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;starti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ng on or after January 1, 2023.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Standardsandinterpretationsnotenteredintoforce>
  <bbva:Changesduringthefirstsemester id="ID_2934" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.1    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Standards and interpretations that became effective in the first six months of 202&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;0&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In addition to the mentioned in Note 1.3, the following amendments to the IFRS standards or their interpretations (hereinafter &amp;#8220;IFRIC&amp;#8221;) became effective on or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;after January 1, 2020:&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;IAS 1 and IAS 8 &amp;#8211; &amp;#8220;Definition of Material&amp;#8221;&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The amendments clarify the definition of Material in the preparation of the financial statements by aligning the definition of the Conceptual Framework, IAS 1 and IAS 8 (which, before such a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;mendment, contained similar but not identical definitions). The new definition of material is as follows: &amp;#8220;information is material if its omission, misrepresentation or obscuration can reasonably be expected to influence the decisions made by the primary u&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;sers of a specific entity&amp;#8217;s general purpose financial statements, based on those financial statements.&amp;#8221;&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The implementat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ion of this standard &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;has had no significant impa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ct on the Group&amp;#180;s consolidated financial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tatements.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 3 &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004580;' &gt;&amp;#8220;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004580;' &gt;Definition of a business&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004580;' &gt;&amp;#8221;&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The amendment clarifies the difference between &amp;#8220;acquiring a business&amp;#8221; or &amp;#8220;acquiring a group of assets&amp;#8221; for accounting purposes. To determine whether a transaction is the acquisition of a business, an entity has to evaluate and conclude that the following t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;wo conditions are met:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The fair value of the assets acquired is not in a single asset or group of similar assets.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The set of acquired activities and assets includes, as a minimum, an input and a substantive process that together contribute to the ability &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;to create products.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;implementation of this standard&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; has &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;had no significant impact on the Group&amp;#180;s con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;solidated financial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;tatements.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 9, IAS 39 and IFRS 7 &amp;#8211; Modifications &amp;#8211; IBOR Reform&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The IBOR Reform (Phase 1) refers to the amendments to IFRS 9, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;IAS 39 and IFRS 7 issued by the IASB to prevent some hedge accounting from having to be discontinued in the period before the reform of the interest rate references takes place. As the Group applies IAS 39 for hedge accounting, the amendments of IFRS 9 whi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ch are stated in this section are not applicable.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In some cases and / or jurisdictions, there may be uncertainty about the future of some interest rate references or their impact on the contracts held by the entity, which directly causes uncertainty about &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the timing or amounts of the cash flows of the hedged instrument or hedging instrument. Due to such uncertainties, some entities may be forced to discontinue their hedge accounting, or not be able to designate new hedging relationships.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;For this reason, th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;e amendments include several transitory reliefs that apply to all hedging relationships that are affected by the uncertainty arising from the IBOR reform; A hedging relationship is affected by the reform if it generates uncertainty about the timing or amou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nt of the cash flows of the hedged financial instrument or that of a hedging instrument referenced to the particular interest rate benchmark. The reliefs refer specifically to the requirements for highly probable future cash flow hedging transactions, to t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he future and retrospective effectiveness (relief of the compliance of the effectiveness ratio of 80-125%) and to the need to identify each risk component separately.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Since the purpose of the modification is to provide some temporary relief to the applicat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ion of certain specific requirements of hedge accounting, these exceptions must &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;end once the uncertainty is&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; resolved or the hedging relationship ceases to exist.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The IBORs transition is considered a complex initiative, which affects BBVA&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; in different&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; geographical areas and business lines, as well as in multiple products, systems and processes. Thus, the Group has established a transition project, endowed with a robust governance structure, through an Executive Steering Committee, with representation f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rom senior management in the affected areas, reporting directly to the Group&amp;#39;s Global Leadership Team. At the local level, each geography has defined a local government structure with the participation of senior management. Coordination between geographies&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; is done through the Project Management Office (PMO) and the Global Working Groups that have a multi-geographic and transversal vision in the areas of Legal, Risk, Regulatory, Finance and Accounting, Engineering and Communication. The project also involves&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; both Corporate Assurance from different geographies and business lines and the Group&amp;#39;s Global Corporate Assurance.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;BBVA Group has a significant number of financial assets and liabilities whose contracts are referenced to IBORs, especially the EURIBOR, whi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ch is used, among others, for loans, deposits and debt issues, as well as underlying in derivative financial instruments. Furthermore, although the exposure to EONIA is lower in the banking book, this IBOR is used as the underlying reference in derivative &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;financial instruments of the trading book, as well as for the treatment of collaterals, mainly in Spain. In the case of LIBOR, the USD is the most relevant currency for, both, debt instruments of the banking book and the trading book. Other LIBOR currencie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;s (CHF, GBP and JPY) have a lower specific weight.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Likewise, the Group maintains cash flow and fair value hedges which are exposed to different IBORs, especially with the EURIBOR, LIBOR USD and to a much lesser extend LIBOR GBP and other indices. The Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; considers the amendments to IAS 39 and IFRS 7 applicable in the case of uncertainties about the future cash flows.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of June 30, 2020, the Group estimates that there exist&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;generally&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;no uncertainties regarding the EURIBOR, as it has been replaced by a hyb&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rid EURIBOR which counts with a methodology that complies with the requirements of the different international institutions. In the case of the rest of the indices which are used for hedge accounting, despite the uncertainty, based on the reliefs which are&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; foreseen in the standard, the hedging relations for the six-month period ended June 2020, have not been affected.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The assumptions made by the Group based on these reliefs are that in the case of cash flow hedges, those hedged cash flows will not be modifi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ed because of the reform and, therefore, continue to comply with the requirement of the future transaction to be highly probable. Likewise, at the time of performing the effectiveness test, it is assumed that the reference indices will not be modified by t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he reform.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The aforementioned project takes into account the different approaches and transition deadlines to the new RFRs&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;(risk-free rate)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; when evaluating the economic, operational, legal, financial, reputational or compliance risks associated with the transition, as well as when defining the action lines to mitigate them. A relevant aspect of this transition is its impact on contracts of fi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nancial instruments referenced to IBORs maturing after 2021. In this regard, in the case of EONIA, BBVA aims to carry out a novation of contracts maturing after 2021. The Group already has new contractual clauses that incorporate the &amp;#8364;STR as a substitute i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ndex as well as contractual clauses to incorporate this index as the principal for new contracts. Regarding derivatives, in which EONIA is mainly used, the actions are carried out through the ISDA plan. In the case of LIBOR, there is an additional difficul&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ty related to uncertainty regarding its future. To anticipate, the Group is working on identifying the stock of contracts maturing after 2022 to determine its action plan (including - if possible - the novation of such contracts) and with a view to carryin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;g out actions in cooperation with banking associations. Meanwhile, in the case of EURIBOR, the European authorities have supported the continuity of the index and have supported modifications in its methodology so that it complies with the requirements of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the European Reference Index Regulation. BBVA actively participates in various working groups, including the EURO RFR WG that works specifically, among other topics, in the definition of fallbacks in contracts&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The nominal amounts of the interest rate deri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;vatives included in the hedging accounting relations represent the approach of the risk exposure that the Group is managing and are directly affected by the reform and, as a consequence, affected by the temporary reliefs. The nominal amount of the hedging &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;instruments directly affected by the IBOR reform&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 June 30, 2020&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; are the following:&lt;/font&gt;&lt;/p&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:417.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Millions of Euros &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:11pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;LIBOR USD &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;LIBOR GBP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Other - TIIE (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,588&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Changesduringthefirstsemester>
  <ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory id="ID_2935" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;1.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;Introduction, basis for the presentation of the condensed interim consolidated financial statements&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt; and other information&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.1    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Introduction&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter &amp;#8220;the Bank&amp;#8221; or &amp;#8220;BBVA&amp;quot;) is a private-law entity subject to the laws and regulations governing banking entities operating in Spain. It carries out its acti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;vity through branches and agencies across the country and abroad.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The Bylaws and other public information are available for inspection at the Bank&amp;#8217;s registered address (Plaza San Nicol&amp;#225;s, 4, Bilbao) as noted on its web site (www.bbva.com).&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In addition to t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he 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, &amp;#8220;the G&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;roup&amp;#8221; or &amp;#8220;the BBVA Group&amp;#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.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The consolidated Financial Statements of the BBVA Gro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;up for the year ended December 31, 2019 were &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;authorized for issue on February 28&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, 2020.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.2    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Basis for the presentation of the condensed interim consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;financial statements&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The BBVA Group&amp;#8217;s condensed interim consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;financial statements&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;(hereinafter, the &amp;#8220;consolidated Financial Statements&amp;#8221;) are presented in accordance with the International Accounting Standard &amp;#8220;Interim Financial Reporting&amp;#8221; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;(&amp;#8220;IAS 34&amp;#8221;) and have been prepar&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ed by&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the Board of Directors at its meeting held on July 29, 2020. In&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; accor&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;dance with IAS 34, the interim f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;inancial information is prepared solely for the purpose of updatin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;g the last annual consolidated Financial S&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tatements, focusing on new activities, events and circumstances that occurred during the period without duplic&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ating the information previously published in those con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;solidated Financial Statements.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Therefore, the accompanying consolidated Financial Statements do not include all information required by a complete set of consolidated Financial Statements prepared in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;accordance with International Financial Reporting Standards endorsed by the European Union (hereinafter, &amp;#8220;EU-IFRS&amp;#8221;), consequently for an appropriate understanding of the information included in them, they should be read together with the consolidated Finan&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;cial Statements of the Group as of and for the year ended December 31, 2019.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The aforementioned annual consolidated Financial Statements were &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;prepared in&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;compliance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 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, &amp;#8220;EU-IFRS&amp;#8221;)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; applicable as of December 31, 2019, considering the Bank of Spain Circular 4/2017, (as amende&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;d thereafter) and any other legislation governing financial reporting applicable to the Group in Spain.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The accompanying consolidated Financial Statements were prepared applying principles of consolidation, accounting policies and valuation criteria, which&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, as described in Note 2, are the same as those applied in the consolidated Financial Statements of the Group as of and for the year ended December 31, 2019, taking into consideration the new Standards and Interpretations that became effective from January&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 1, 2020 (see Note 2.1), so that they present fairly the Group&amp;#8217;s consolidated equity and financial position as of June 30, 2020, together with the consol&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;idated results of its transactions&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; and the consolidated cash flows generated by the Group during the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;six months ended June 30, 2020.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The consolidated Financial Statements and explanatory notes were prepared on the basis of the accounting records kept by the Bank and each of the other entities in the Group. They include the adjustments and reclassification&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;s required to harmonize the accounting policies and valuation criteria used by the entities in the Group.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;All effective accounting standards and valuation criteria with a significant effect in the consolidated Financial Statements were applied in their pre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;paration.&lt;/font&gt;&lt;/p&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:8pt;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. Therefore, some items that appear without a balance in these consolidated Financia&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;l 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 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;sum of their component figures.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The percentage changes in amounts have been calculated using figures expressed in thousands of euros.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;When determining the information to disclose about various items of the&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;consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;financial statements, the Group, in acc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ordance with IAS 34, has taken into account their materiality i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;n relation to the consolidated financial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tatements.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.3    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Comparative information&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;Hyperinflationary economies&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Considering the interpretation issued by the International Financial Reporting &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Interpretations Committee (IFRIC) in its &amp;#8220;IFRIC Update&amp;#8221; of March 2020 on IAS 29 &amp;#8220;Financial information in hyperinflationary economies&amp;#8221;, the Group made an accounting policy change which involves recording the differences generated when translating the resta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ted financial statements of the subsidiaries in hyperinflationary economies into euros in the line 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; of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;our consolidated balance s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;heet.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In order to make the information as of December 31, 2019 comparable with information as of June 30, 2020, the former has been restated by reclassifying &amp;#8364;2,985 million from &amp;#8220;Shareholders&amp;#8217; funds &amp;#8211; Retained earnings&amp;#8221; and &amp;#8364;6 million from &amp;#8220;Shareholders&amp;#8217; f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;unds &amp;#8211; Other reserves&amp;#8221; to &amp;#8220;Accumulated other comprehensive income &amp;#8211; Items that may be reclassified to profit or loss &amp;#8211; Foreign currency translation&amp;#8221;.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The reclassification has been recorded as &amp;#8220;Effect of changes in accounting policies&amp;#8221; under the balance as &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;of January 1, 2019 in the consolidated statement of changes in equity for the six-month period ended June 30, 2019.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 9 &amp;#8211; collection of interest on impaired financial assets&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As a consequence of the application of the interpretation issued by the IFRIC i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;n its &amp;#8220;IFRIC Update&amp;#8221; of March 2019 regarding the collection of interest on impaired financial assets under IFRS 9, such collections are presented since 2020 as reductions in credit-related write-offs whereas previously they were included as interest income&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;. In order to make the information for the six months ended June 30, 2019 comparable with the information for the six months ended June 30, 2020, the unaudited condensed interim consolidated income statement for the six months ended June 30, 2019 has been &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;restated by recognizing a &amp;#8364;45 million reduction in the heading &amp;#8220;Interest and other income&amp;#8221; and a &amp;#8364;45 million increase in the heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; modification&amp;#8221;. This reclassification has had no impact on the profit for the period for the six months ended June 30, 2019 or on the consolidated total equity as of June 30, 2019.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.4    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Seasonal nature of income and expense&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The nature&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 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, and are not significantly affected by seasonal factors within the same 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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;1.5    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Management and impacts of the COVID-19 pandemic&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The appearance of the Coronavirus C&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;OVID-19 in China&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; and its global expansion to a large number of countries, has motivated the viral outbreak to be classified as a global pandemic by the World Health Organization since last&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; March 11, 2020. The pandemic has affected and continues to adversely affect the world economy and economic activity and conditions in the countries in which the Group operates, leading many of them to economic recession.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In this pandemic situation, BBVA h&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;as focused its attention on ensuring the continuity of the business operational security as a priority and monitoring the impacts on the business and on the risks of the Group (such as the impacts on results, capital or liquidity). Additionally, BBVA adopt&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ed from the beginning a series of measures to support its main interest groups. In this sense, the purpose and the Group&amp;#39;s long-term strategic priorities remain the same and are even reinforced, with a commitment to technology and data-driven decision-maki&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ng.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;With the aim of mitigating the impact of COVID-19, various European and International bodies have made pronouncements aimed at allowing greater flexibility in the implementation of the accounting and prudential frameworks. The BBVA Group has taken thes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;e pronouncements into consideration when preparing this report&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 6.2.1).&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The main impacts of COVID-19 pandemic in the BBVA Group&amp;#39;s consolidated Financial Statements are detailed in the following explanatory notes:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:10pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 1.6 includes information on t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he consideration of the COVID-19 pandemic in the estimates made.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 4 mentions the amendment of the Group&amp;#8217;s shareholder remuneration policy, in accordance with the recommendation issued by the European Central Bank, which no longer pays any amount as a d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ividend for the financial year 2020 until as long as the uncertainties generated by the pandemic remain&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 6.1 details the main risks associated with the pandemic as well as the impacts that have occurred b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;oth in the activity and in the consolidated f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ancial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tatements for the first half of 2020.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 6.2 includes information related to the initiatives carried out by the Group to help the most affected clients, jointly with the corresponding governments. Likewise, it contains, among others, information &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;regarding the number of operations and the amount corresponding to moratorium measures, both public and private, granted by the Group worldwide.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 6.3 presents information regarding the impact on liquidity and financing risk.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 17.1 includes informat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ion concerning the impairment of the goodwill in the United States carried out for the six months ended June 30, 2020, mainly due to the impact of COVID-19 in updating the macroeconomic scenario and the expected evolution of interest rate&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Note 29 include&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;s information with regard to the impact on the Group&amp;#39;s capital.&lt;/font&gt;&lt;/span&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;1.6    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Responsibility for the information and for the estimates made&lt;/font&gt;&lt;/p&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:8pt;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 Direct&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ors.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;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, expense and commitments. These estimates relate mainly&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; to the following:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Loss allowances on certain financial assets (see Notes 6,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 12, 13 and 15&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;).&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The assumptions used to quantify certain provisions (see Notes 22 and 23) and for the actuarial calculation of post-employment benefit liabilities and commitments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;(see Note 24).&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The useful life and impairment losses of tangible and intangible assets (see Notes 16, 17, 19 and 20).&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The valuation of goodwill and price allocation of business combinations &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;(see Note 17)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The fair value of certain unlisted financial assets&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; and liabilities &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;(see Note 7, 9, 10, 11&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, 12&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; and 14)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The recoverability of deferred tax assets &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;(see Note 18)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;On March 11, 2020, COVID-19 was declared as a global pandemic by the World Health Organization (see Note 1.5). The great uncertainty associated to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the unprecedented nature of this pandemic entails a greater complexity of developing reliable estimations and applying judgment&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;Therefore, these estimates have been made on the basis of the best available information on the matters analyzed, as of June 3&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;0, 2020. However, it is possible that events may take place in the future which could make it necessary to amend these estimations (upward or downward), which would be carried out prospectively, recognizing the effects of the change in estimation in the co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rresponding consolidated income statement.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;/p&gt;</ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory>
  <ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory id="ID_2936" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;p style='text-align:left;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;2.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;Principles &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;of consolidation, accounting policies, measurement bases applied and recent IFRS pronouncements and interpretations&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The accounting policies and methods applied for the preparation of the accompany&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ing consolidated Financial Statements do not differ significantly to those applied in the consolidated Financial Statements of the Group for the year ended December 31, 2019 (Note 2), except for the entry into force of new standards and interpretations in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2020.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.1    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Standards and interpretations that became effective in the first six months of 202&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;0&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In addition to the mentioned in Note 1.3, the following amendments to the IFRS standards or their interpretations (hereinafter &amp;#8220;IFRIC&amp;#8221;) became effective on or &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;after January 1, 2020:&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;IAS 1 and IAS 8 &amp;#8211; &amp;#8220;Definition of Material&amp;#8221;&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The amendments clarify the definition of Material in the preparation of the financial statements by aligning the definition of the Conceptual Framework, IAS 1 and IAS 8 (which, before such a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;mendment, contained similar but not identical definitions). The new definition of material is as follows: &amp;#8220;information is material if its omission, misrepresentation or obscuration can reasonably be expected to influence the decisions made by the primary u&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;sers of a specific entity&amp;#8217;s general purpose financial statements, based on those financial statements.&amp;#8221;&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The implementat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ion of this standard &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;has had no significant impa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ct on the Group&amp;#180;s consolidated financial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tatements.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 3 &amp;#8211; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004580;' &gt;&amp;#8220;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004580;' &gt;Definition of a business&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004580;' &gt;&amp;#8221;&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The amendment clarifies the difference between &amp;#8220;acquiring a business&amp;#8221; or &amp;#8220;acquiring a group of assets&amp;#8221; for accounting purposes. To determine whether a transaction is the acquisition of a business, an entity has to evaluate and conclude that the following t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;wo conditions are met:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The fair value of the assets acquired is not in a single asset or group of similar assets.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The set of acquired activities and assets includes, as a minimum, an input and a substantive process that together contribute to the ability &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;to create products.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;implementation of this standard&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; has &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;had no significant impact on the Group&amp;#180;s con&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;solidated financial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;tatements.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 9, IAS 39 and IFRS 7 &amp;#8211; Modifications &amp;#8211; IBOR Reform&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The IBOR Reform (Phase 1) refers to the amendments to IFRS 9, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;IAS 39 and IFRS 7 issued by the IASB to prevent some hedge accounting from having to be discontinued in the period before the reform of the interest rate references takes place. As the Group applies IAS 39 for hedge accounting, the amendments of IFRS 9 whi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ch are stated in this section are not applicable.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In some cases and / or jurisdictions, there may be uncertainty about the future of some interest rate references or their impact on the contracts held by the entity, which directly causes uncertainty about &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the timing or amounts of the cash flows of the hedged instrument or hedging instrument. Due to such uncertainties, some entities may be forced to discontinue their hedge accounting, or not be able to designate new hedging relationships.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;For this reason, th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;e amendments include several transitory reliefs that apply to all hedging relationships that are affected by the uncertainty arising from the IBOR reform; A hedging relationship is affected by the reform if it generates uncertainty about the timing or amou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nt of the cash flows of the hedged financial instrument or that of a hedging instrument referenced to the particular interest rate benchmark. The reliefs refer specifically to the requirements for highly probable future cash flow hedging transactions, to t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he future and retrospective effectiveness (relief of the compliance of the effectiveness ratio of 80-125%) and to the need to identify each risk component separately.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Since the purpose of the modification is to provide some temporary relief to the applicat&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ion of certain specific requirements of hedge accounting, these exceptions must &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;end once the uncertainty is&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; resolved or the hedging relationship ceases to exist.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The IBORs transition is considered a complex initiative, which affects BBVA&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; in different&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; geographical areas and business lines, as well as in multiple products, systems and processes. Thus, the Group has established a transition project, endowed with a robust governance structure, through an Executive Steering Committee, with representation f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rom senior management in the affected areas, reporting directly to the Group&amp;#39;s Global Leadership Team. At the local level, each geography has defined a local government structure with the participation of senior management. Coordination between geographies&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; is done through the Project Management Office (PMO) and the Global Working Groups that have a multi-geographic and transversal vision in the areas of Legal, Risk, Regulatory, Finance and Accounting, Engineering and Communication. The project also involves&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; both Corporate Assurance from different geographies and business lines and the Group&amp;#39;s Global Corporate Assurance.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;BBVA Group has a significant number of financial assets and liabilities whose contracts are referenced to IBORs, especially the EURIBOR, whi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ch is used, among others, for loans, deposits and debt issues, as well as underlying in derivative financial instruments. Furthermore, although the exposure to EONIA is lower in the banking book, this IBOR is used as the underlying reference in derivative &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;financial instruments of the trading book, as well as for the treatment of collaterals, mainly in Spain. In the case of LIBOR, the USD is the most relevant currency for, both, debt instruments of the banking book and the trading book. Other LIBOR currencie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;s (CHF, GBP and JPY) have a lower specific weight.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Likewise, the Group maintains cash flow and fair value hedges which are exposed to different IBORs, especially with the EURIBOR, LIBOR USD and to a much lesser extend LIBOR GBP and other indices. The Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; considers the amendments to IAS 39 and IFRS 7 applicable in the case of uncertainties about the future cash flows.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of June 30, 2020, the Group estimates that there exist&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;generally&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;no uncertainties regarding the EURIBOR, as it has been replaced by a hyb&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rid EURIBOR which counts with a methodology that complies with the requirements of the different international institutions. In the case of the rest of the indices which are used for hedge accounting, despite the uncertainty, based on the reliefs which are&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; foreseen in the standard, the hedging relations for the six-month period ended June 2020, have not been affected.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The assumptions made by the Group based on these reliefs are that in the case of cash flow hedges, those hedged cash flows will not be modifi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ed because of the reform and, therefore, continue to comply with the requirement of the future transaction to be highly probable. Likewise, at the time of performing the effectiveness test, it is assumed that the reference indices will not be modified by t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he reform.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The aforementioned project takes into account the different approaches and transition deadlines to the new RFRs&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;(risk-free rate)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; when evaluating the economic, operational, legal, financial, reputational or compliance risks associated with the transition, as well as when defining the action lines to mitigate them. A relevant aspect of this transition is its impact on contracts of fi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nancial instruments referenced to IBORs maturing after 2021. In this regard, in the case of EONIA, BBVA aims to carry out a novation of contracts maturing after 2021. The Group already has new contractual clauses that incorporate the &amp;#8364;STR as a substitute i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ndex as well as contractual clauses to incorporate this index as the principal for new contracts. Regarding derivatives, in which EONIA is mainly used, the actions are carried out through the ISDA plan. In the case of LIBOR, there is an additional difficul&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ty related to uncertainty regarding its future. To anticipate, the Group is working on identifying the stock of contracts maturing after 2022 to determine its action plan (including - if possible - the novation of such contracts) and with a view to carryin&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;g out actions in cooperation with banking associations. Meanwhile, in the case of EURIBOR, the European authorities have supported the continuity of the index and have supported modifications in its methodology so that it complies with the requirements of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the European Reference Index Regulation. BBVA actively participates in various working groups, including the EURO RFR WG that works specifically, among other topics, in the definition of fallbacks in contracts&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The nominal amounts of the interest rate deri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;vatives included in the hedging accounting relations represent the approach of the risk exposure that the Group is managing and are directly affected by the reform and, as a consequence, affected by the temporary reliefs. The nominal amount of the hedging &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;instruments directly affected by the IBOR reform&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 June 30, 2020&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; are the following:&lt;/font&gt;&lt;/p&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:417.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Millions of Euros &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150.75pt;' &gt;&lt;font style='font-family:Arial;font-size:11pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;LIBOR USD &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;LIBOR GBP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Other - TIIE (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;TOTAL&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;601&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,920&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:150.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;299&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,588&lt;/font&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:6pt;margin-left:0pt;color:#000000;' &gt;(*) Equilibrium Interbank Interest Rate used in Mexico.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;2.2    Standards &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;and interpretations issued but not yet effective as of June 30, 2020&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &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 Statements, but are not mandatory as of June 30, 2020. Although in so&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;me cases the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;International Accounting Standards Board (&amp;#8220;IASB&amp;#8221;) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 16 &amp;#8211;Leases &amp;#8211; COVID-19 modifications&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;On May 28, 2020, the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;IASB approved an amendment to IFRS 16 to include a practical expedient to the accounting treatment for rent concessions (moratoriums and temporary rent reductions) that occur due to COVID-19 (see Note 1.5).&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The amendment permits lessees to account for rent&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; concessions as if they were not lease modifications to the initial ones. It is applicable to rent concessions related to COVID-19, which reduces lease payments before June 30, 2021.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;This &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;amendment is effective from June 1, 2020 and is expected to be endorsed by the European Union in the second half of 2020. The amendment is not expected to have a significant impact on the consolidated Financial Statements of the Group&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' &gt;IFRS 17 &amp;#8211; Insurance contracts&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;This Standard will be applied to the accounting years &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;starti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ng on or after January 1, 2023.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory>
  <bbva:Disclosureofentityinformationaexplanatory id="ID_2937" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;3.    BBVA Group&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The BBVA Group is an international diversified financial group with a significant presence in retail banking, wholesale banking and asset management. The Group also operates in the insurance sector.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The following information is detailed in the Appendices to the consolidated Financial Statements of the Group for the year ended December 31, 2019:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:14.2pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:32.05pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Appendix I shows relevant information related to the consolidated subsidiaries and structured entities.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:14.2pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:32.05pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Appe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ndix II shows relevant information related to investments in subsidiaries, joint ventures and associates account&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ed for using the equity method.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:14.2pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:32.05pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Appendix III shows the main changes and notification of investments and divestments in the BBVA Group.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:14.2pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:32.05pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Appendix &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;IV shows fully consolidated subsidiaries with more than 10% owned by non-Group shareholders.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The BBVA Group&amp;#8217;s activities are mainly located in Spain, Mexico, South America, the United States and Turkey, with an active presence in other areas of Europe and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Asia (see Note 5).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Significant transactions in th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;e first six months of 2020&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#009EE5;' &gt;Agreement for the alliance with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#009EE5;' &gt;Allianz, Compa&amp;#241;&amp;#237;a de Seguros y Reaseguros, S.A.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;On April 27, 2020, BBVA reached an agreement with Allianz, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Compa&amp;#241;&amp;#237;a de Seguros y Reaseguros, S.A. to create a bancassurance joint venture in Spain including a long-term exclusive distribution agreement for the sale of property-casualty insurance products through BBVA&amp;#8217;s banking network in Spain. BBVA will transfer &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;its non-life insurance business in Spain, excluding the health insurance line, to the new joint venture. Excluding a variable part of the price to be paid by Allianz (which may amount to up to &amp;#8364;100 million related to achieving specific business goals and c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ertain milestones), it is expected that the transaction will generate a profit net of taxes amounting to approximately &amp;#8364;300 million, and that the positive impact on the fully loaded CET1 capital ratio of the BBVA Group will be approximately 7 basis points.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; The closing of the transaction is subject to obtaining the relevant regulatory authorizations &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;from the competent authorities.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Significant transactions in 2019&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#009EE5;' &gt;Sale o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#009EE5;' &gt;f BBVA&amp;#8217;s stake in BBVA Paraguay&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;BBVA reached an agreement with Banco GNB Paraguay S.A., a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;subsidiary of Grupo Financiero Gilinski, for the sale of its shareholding, directly and indirectly, in Banco Bilbao Vizcaya Argentaria Paraguay, S.A. (&amp;quot;BBVA Paraguay&amp;quot;). BBVA owned, directly and indirectly, 100% of its share capital in BBVA Paraguay.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The sa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;le price of the BBVA Paraguay shares amounts to approximately $270 million. In this type of transaction, the price is subject to adjustments between the date of signature and the closing date of the operation.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;It is estimated that the gains (net of taxes)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; will amount to approximately &amp;#8364;2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;0 million and the positive impact on the Common Equity Tier 1 (fully loaded) of the BBVA Group will be approximately 6 basis points. The closing of the transaction is subject to obtaining the relevant regulatory approvals fro&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;m the appropriate authorities&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;</bbva:Disclosureofentityinformationaexplanatory>
  <bbva:Disclosureshareholderremunerationsystemexplanatory id="ID_2938" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;4.    Shareholder remuneration system&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;The Annual General Meeting of March 13, 2020, approved the payment in cash of &amp;#8364;0.16 (&amp;#8364;0.1296 net of withholding tax) for all outstanding BBVA shares as final dividend for 2019. The divide&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;nd was paid on April 9, 2020.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;On April 30, 2020, in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; accordance with the recommendation ECB/2020/19 issued by the ECB on March 27, 2020 on dividend distributions during the COVID-19 pandemic, the Board of Directors of BBVA has resolved to modify the dividend policy of the Group, as announced on February 1, 2017, for the 2020 financial year, determining not to pay any dividend corresponding to such year until the uncertainties caused by the COVID-19 pandemic disappear and, in any case, not before the end of such year.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureshareholderremunerationsystemexplanatory>
  <ifrs-full:DisclosureOfFairValueMeasurementExplanatory id="ID_2939" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;7.    Fair value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt; of financial instruments&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The criteria and valuation methods used to calculate the fair value of financial assets as of June 30, 2020 do not differ significantly from those included in&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;Note 8 from the consolidated financial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tatements for the year ended December 31, 2019.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;techniques and unobservable inputs used for the valuation of the financial instruments classified in the fair value hierarchy as Level 3, do not significantly differ from those det&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ailed in Note 8 of the consolidated financial statements for the year 2019 Nevertheless, the level of significance of the unobservable inputs used to determine the hierarchy of the fair value of loans and advances to customers at amortized cost has been re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;vised, resulting in greater exposure classified as level 3&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The effect on the consolidated income statements and on the consolidated equity, resulting from changing the main assumptions used in the valuation of Level 3 financial instruments for other reaso&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nably possible assumptions, does not differ significantly from that detailed in Note &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;8 of the consolidated financial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tatements for the year 2019.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Below is a comparison of the carrying amount of the Group&amp;#8217;s financial instruments in the accompanying consoli&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;dated balance sheets and their respective fair values as of June 30, 2020 and December 31, 2019:&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='6' rowspan='1' style='width:636.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:636.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fair value and carrying amount (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December  2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Carrying Amount&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Fair Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:329.25pt;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:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:15.95pt;' &gt;&lt;td style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65,877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65,877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,303&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119,332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119,332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102,688&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102,688&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,557&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;70,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;70,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61,183&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61,183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;450,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;452,719&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;439,162&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;442,788&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,729&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,729&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:15.95pt;' &gt;&lt;td style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89,633&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89,633&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss &lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &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:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;559,713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;557,678&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;516,641&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;515,910&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.95pt;' &gt;&lt;td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Derivatives - Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,233&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,233&lt;/font&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:8pt;margin-left:0pt;' &gt;The following table shows the financial instruments in the accompanying consolidated balance sheets, broken down by the measurement tec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;hnique used to determine their fair value as of June 30, 2020 and December 31, 2019:&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='7' rowspan='1' style='width:724.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:724.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fair value of financial instruments by levels (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Level 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;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:355.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Cash, cash balances at central banks and other demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;65,686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;191&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;44,111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial assets held for trading&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;30,604&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;86,964&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;31,135&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;70,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,508&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,483&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33,848&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;697&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,321&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,285&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;89&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,124&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41,785&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;331&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,530&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29,546&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:22.5pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,629&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,224&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;4,305&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;92&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;82&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,038&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;91&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;562&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;172&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;57,066&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;12,129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;849&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;50,896&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,084&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55,780&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;452&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49,070&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;604&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,254&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;139&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,794&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;480&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;32,880&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;26,566&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;393,273&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;29,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;217,279&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;196,119&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;153&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,370&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial liabilities held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;26,953&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;80,095&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,576&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;26,266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;62,541&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;827&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,727&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37,828&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;649&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Trading derivatives&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,612&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41,048&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30,419&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Short positions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,614&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,219&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:20.1pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;8,120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;1,083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9,984&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;914&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;944&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,083&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,629&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,410&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial liabilities at amortized cost &lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;92,354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;314,925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;150,399&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;67,229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;289,599&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;159,082&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Derivatives &amp;#8211; Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;48&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,287&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFairValueMeasurementExplanatory>
  <ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory id="ID_2940" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;8.    Cash, cash balances at central banks&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt; and other demand deposits&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;#8220;Cash, cash balances at central &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;banks and other demand 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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,669&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,060&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54,442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,755&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,766&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,488&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;65,877&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;44,303&lt;/font&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:6pt;margin-left:0pt;' &gt;(*)   The variation corresponds mainly to the increase in cash held at the Bank of Spain.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory>
  <ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory id="ID_2941" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;9.    Financial assets and liabili&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;ties held for trading&lt;/font&gt;&lt;/p&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:8pt;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:22.5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial assets and liabilities held for trading (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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:#004481;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Derivatives (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49,239&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33,185&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;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,862&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,892&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,309&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#666666;' &gt;Issued by central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;1,125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#666666;' &gt;Issued by public administrations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;23,642&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;23,918&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#666666;' &gt;Issued by financial institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;838&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;679&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#666666;' &gt;Other debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;1,035&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;872&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Loans and advances &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;37,591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;34,303&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;535&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Reverse repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;636&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;535&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;24,912&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;21,286&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Reverse repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;24,857&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;21,219&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;12,044&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;12,482&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Reverse repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;11,026&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;12,187&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;119,332&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;102,688&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-weight:bold;color:#004481;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Derivatives (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50,154&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Short positions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46,637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42,365&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Deposits from central banks &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;5,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;7,635&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;5,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;7,635&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Deposits from credit institutions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;28,617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;24,969&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;28,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;24,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;12,335&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#808080;' &gt;9,761&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Repurchase agreement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;12,271&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;9,689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;108,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;89,633&lt;/font&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:6pt;margin-left:0pt;' &gt;(*)   The variation corresponds mainly to foreign exchange derivatives in BBVA S.A.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory>
  <bbva:Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory id="ID_2942" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;10.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;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;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;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:24.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:22.5pt;' &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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,327&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;color:#000000;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;250&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;110&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;color:#000000;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,120&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,557&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory>
  <ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory id="ID_2943" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;11.    Financial assets and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt; liabilities designated at fair value through profit or loss&lt;/font&gt;&lt;/p&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:8pt;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:24pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:18pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#004481;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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:12pt;' &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;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,098 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,214 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;font-weight:bold;color:#004481;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;914&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;944&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,656&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Other financial liabilities: Unit-linked products&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,410&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9,203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10,010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory>
  <bbva:Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory id="ID_2944" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;12.    Financial assets at fair value through &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;other comprehensive income&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;12.1    Breakdown of the balance&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance by type of financial instruments 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:13.5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;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:22.5pt;' &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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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;color:#000000;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,789&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,420&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;color:#000000;' &gt;Debt securities (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;68,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;58,731&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;color:#000000;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;70,045&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;61,183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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: loss allowances of debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(162)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(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:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;The variation corresponds mainly to the increase in financial assets issued by governments in BBVA, S.A&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;12.2    Equity instruments&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;quot;Equity instruments&amp;quot; of the accompanying consolidated balance sheets as of June 30, 2020&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; and December 31, 2019, 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:11.25pt;' &gt;&lt;td colspan='5' rowspan='1' style='width:391.5pt;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:391.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial assets at fair value through other comprehensive income. Equity instruments (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:102pt;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:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#0066CC;' &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:#072146;' &gt;Amortized cost&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:#072146;' &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:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Amortized cost&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:#072146;' &gt;Fair value &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:#004481;' &gt;Listed equity instruments&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:#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:#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:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Spanish companies shares&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;2,182&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;1,141&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;2,181&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;1,674&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Foreign companies shares&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;140&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;199&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;136&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;213&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;The United States&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:#808080;' &gt;31&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:#808080;' &gt;79&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:#808080;' &gt;30&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:#808080;' &gt;78&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Mexico&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:#808080;' &gt;1&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:#808080;' &gt;29&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:#808080;' &gt;1&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:#808080;' &gt;34&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Turkey&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:#808080;' &gt;3&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:#808080;' &gt;6&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:#808080;' &gt;3&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:#808080;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Other countries&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:#808080;' &gt;106&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:#808080;' &gt;85&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:#808080;' &gt;102&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:#808080;' &gt;96&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,322&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,340&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,317&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,886&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;font-weight:bold;color:#004481;' &gt;Unlisted 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;font-weight:bold;color:#FFFFFF;' &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;font-weight:bold;color:#FFFFFF;' &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;font-weight:bold;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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Spanish companies shares&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;5&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;5&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;5&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;5&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Foreign companies shares &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;376&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;444&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;450&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;528&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;The United States&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:#808080;' &gt;318&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:#808080;' &gt;351&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:#808080;' &gt;387&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:#808080;' &gt;419&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Mexico&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:#808080;' &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:#808080;' &gt;1&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:#808080;' &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:#808080;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Turkey&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:#808080;' &gt;6&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:#808080;' &gt;9&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:#808080;' &gt;5&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:#808080;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;Other countries&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:#808080;' &gt;52&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:#808080;' &gt;83&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:#808080;' &gt;57&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:#808080;' &gt;99&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;381&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;454&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;533&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,703&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,789&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,772&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,420&lt;/font&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;12.3    Debt securities&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;quot;Debt securities&amp;quot; of the accompanying consolidated balance sheets as of June 30, 2020 and December 31, 2019, is as f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ollows:&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='5' rowspan='1' style='width:391.5pt;text-align:left;vertical-align:middle;background-color:#F2F2F2;border-color:Black;min-width:391.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial assets at fair value through other comprehensive income. Debt securities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#0066CC;' &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:#072146;' &gt;Amortized cost &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:#072146;' &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:right;vertical-align:middle;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Amortized cost &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:#072146;' &gt;Fair value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:#004481;' &gt;Domestic debt securities&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:#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;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;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;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;/tr&gt;&lt;tr style='height:22.5pt;' &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;Government and other government agency debt securities&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;28,151&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;28,913&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;20,740&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;21,550&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Credit institutions&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;1,050&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;1,110&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;959&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;1,024&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Other issuers&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;899&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;936&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;907&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;947&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30,100&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;30,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22,607&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;23,521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;font-weight:bold;color:#004481;' &gt;Foreign debt securities&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;font-weight:bold;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;font-weight:bold;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;font-weight:bold;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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:#004481;' &gt;Mexico&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;7,224&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;7,375&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;7,790&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;7,786&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Government and other government agency debt securities&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;6,359&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;6,527&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;6,869&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;6,868&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Credit institutions&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;62&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;63&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;77&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;78&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Other issuers&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;803&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;786&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;843&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;840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;font-weight:bold;color:#004481;' &gt;The United States&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;font-weight:bold;color:#004481;' &gt;10,267&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;font-weight:bold;color:#004481;' &gt;10,421&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;font-weight:bold;color:#004481;' &gt;11,376&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;font-weight:bold;color:#004481;' &gt;11,393&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Government securities &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;6,572&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;6,698&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;8,570&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;8,599&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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:#808080;' &gt;Treasury and other government agencies&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:#808080;' &gt;4,049&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:#808080;' &gt;4,113&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:#808080;' &gt;5,595&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:#808080;' &gt;5,624&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#808080;' &gt;States and political subdivisions &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:#808080;' &gt;2,523&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:#808080;' &gt;2,585&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:#808080;' &gt;2,975&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:#808080;' &gt;2,975&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Credit institutions&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;157&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;158&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;122&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;124&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Other issuers&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;3,538&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;3,565&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;2,684&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;2,670&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;font-weight:bold;color:#004481;' &gt;Turkey&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;font-weight:bold;color:#004481;' &gt;3,801&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;font-weight:bold;color:#004481;' &gt;3,840&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;font-weight:bold;color:#004481;' &gt;3,752&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;font-weight:bold;color:#004481;' &gt;3,713&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Government and other government agency debt securities&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;3,801&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;3,840&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;3,752&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;3,713&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;font-weight:bold;color:#004481;' &gt;Other countries&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;font-weight:bold;color:#004481;' &gt;15,143&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;font-weight:bold;color:#004481;' &gt;15,628&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;font-weight:bold;color:#004481;' &gt;11,870&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;font-weight:bold;color:#004481;' &gt;12,318&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Other foreign governments and other government agency debt securities&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;7,519&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;7,861&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;6,963&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;7,269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Central banks&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;1,481&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;1,484&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;1,005&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;1,010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Credit institutions&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;2,425&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;2,517&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;1,795&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;1,892&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Other issuers&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;3,717&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;3,766&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;2,106&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;2,147&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;36,436&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;37,264&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;34,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;35,210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66,536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;68,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;57,395&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;58,731&lt;/font&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:8pt;margin-left:0pt;' &gt;
&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The credit ratings of the issuers of debt securities as of June 30, 2020 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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Debt securities by rating&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:9pt;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:133.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:133.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Fair value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;(Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:9pt;color:#000000;' &gt;AAA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,806&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14.4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;834&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;AA-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;626&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,796&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5.6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;A-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,076&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;45.6%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB+&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,137&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBB-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,691&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,925&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#000000;' &gt;Unclassified&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;412&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;68,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;12.4    Gains/losses&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Changes in gains/losses&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The changes in the gains/losses (net of taxes) during&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the six months ended June 30, 2020 and in the year ended December 31, 2019 of debt securities recognized under the equity heading &amp;#8220;Accumulated other comprehensive income &amp;#8211; Items that may be reclassified to profit or loss &amp;#8211; Fair value changes of debt instr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;uments measured at fair value through other comprehensive income&amp;#8221; and equity instruments recognized under the equity heading &amp;#8220;Accumulated other comprehensive income &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:8pt;' &gt;ruments measured 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:12.75pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:395.25pt;text-align:left;vertical-align:top;background-color:#E9E9E9;border-color:Black;min-width:395.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other comprehensive income - Changes in gains / losses (Millions of Euros)&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:bottom;border-color:Black;min-width:140.25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;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;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;Debt securities &lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:102pt;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:#072146;' &gt;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:140.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:140.25pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&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;font-weight:bold;color:#072146;' &gt;Notes&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;font-weight:bold;color:#072146;' &gt;June 2020&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;font-weight:bold;color:#072146;' &gt;December 2019&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;font-weight:bold;color:#072146;' &gt;June 2020&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;font-weight:bold;color:#072146;' &gt;December 2019&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;background-color:#5AC4C4;border-color:Black;min-width:140.25pt;' &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:51pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;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;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,760&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;943&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(403)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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;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;Valuation gains and losses&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:9pt;color:#004FA4;' &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;137&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;1,267&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;(562)&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;(238)&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;Amounts transferred to income&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:9pt;color:#004FA4;' &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;(71)&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;(119)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;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;background-color:#BFBFBF;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: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;Income tax&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:9pt;color:#004FA4;' &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;4&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;(331)&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&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)&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;background-color:#5AC4C4;border-color:Black;min-width:140.25pt;' &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:51pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,830&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,760&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(940)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(403)&lt;/font&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:8pt;margin-left:0pt;' &gt;During the six months ended June 30, 2020 and 2019, the debt securities impaired recognized in t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he heading &amp;#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss net gains by modification&amp;#8211; Financial assets at fair value through other comprehensive income&amp;#8221; in the accompanying consolidated in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;come statement amounted to &amp;#8364;71&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; and 5 million, respectively (see Note 42) as a result&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; of&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory>
  <bbva:Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory id="ID_2945" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;14.    Derivatives- Hedge accounting and fair value changes of the hedged items in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;portfolio hedges of interest rate risk&lt;/font&gt;&lt;/p&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:8pt;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:23.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:22.5pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &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;color:#000000;' &gt;Derivatives - Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,531&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,729&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Fair value changes of the hedged items in portfolio hedges of interest rate risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Derivatives - Hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,233&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory>
  <bbva:Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory id="ID_2946" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;15.    Investments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;in joint ventures and associates&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the balance of &amp;#8220;Investments in joint ventures and associates&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:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Joint ventures and associates (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Joint ventures&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Associates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,216&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,366&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,488&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory>
  <bbva:Disclosureoftangibleassetsexplanatory id="ID_2947" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;16.    Tangible assets&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown and movement of the balance and changes of this heading in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 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:11.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:bottom;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Tangible assets. Breakdown by type  (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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;border-bottom-style:solid;border-bottom-width:1;text-align:left;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;Property plant and equipment &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;8,796&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9,816&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;For own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;8,578&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;9,554&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Land and buildings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Work in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Furniture, fixtures and vehicles&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,954&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,351&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Right to use assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,516&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5,957)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5,969)&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(447)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &gt;&lt;td style='width:250.5pt;text-align:left;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;Leased out under an operating lease&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;217&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;263&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Assets leased out under an operating lease&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;280&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;337&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(62)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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;Investment property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;252&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Building rental &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;211&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Right to use assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accumulated depreciation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(16)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(38)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9,057&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10,068&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoftangibleassetsexplanatory>
  <ifrs-full:DisclosureOfIntangibleAssetsExplanatory id="ID_2948" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;17.    Intangible&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt; assets&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;17.1    Goodwill&lt;/font&gt;&lt;/p&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:8pt;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:8pt;' &gt;consolidated balance sheets, according to the cash-generating unit (hereinafter &amp;#8220;CGU&amp;#8221;) to which goodwill has been allocated, 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:15pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:543pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:543pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Goodwill. Breakdown by CGU and changes of the period (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &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;font-weight:bold;color:#44546A;' &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;font-weight:bold;color:#072146;' &gt;The United States&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;font-weight:bold;color:#072146;' &gt;Turkey&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;font-weight:bold;color:#072146;' &gt;Mexico&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;font-weight:bold;color:#072146;' &gt;Colombia&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;font-weight:bold;color:#072146;' &gt;Chile&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;font-weight:bold;color:#072146;' &gt;Other&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;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &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;font-weight:bold;color:#44546A;' &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;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;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;&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;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;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;&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;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;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;&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;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;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;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &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: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;98&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;(36)&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;31&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;3&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;(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;(1)&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;93&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&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;(1,318)&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;-&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;-&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;(1,318)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of December 31, 2019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;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;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,846&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;550&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;22&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,955&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &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: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;58&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;(45)&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;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&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;(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;(1)&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;(111)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Impairment&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;(2,084)&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;-&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;-&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;(2,084)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance as of June 30, 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;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;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;450&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &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:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21&lt;/font&gt;&lt;/td&gt;&lt;td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,760&lt;/font&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:9pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Impairment test&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As mentioned in Note 2.2.8 of the consolidated Financial Statements of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the year 2019&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, the 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 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;impairment.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The BBVA Group performs estimations on the recoverable amount of certain CGU&amp;#180;s by calculating the value in use through the discounted value of future cash flows method.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The main hypotheses used for the value in use calculation are the following&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The forecast cash flows, including net interest margin, estimated by the Group&amp;#39;s management, and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; based on the latest available financial s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;tatements budgets for the next 3 to 5 years, considering the macroeconomic variables of each CGU, regarding the exis&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ting balance structure as well as macroeconomic variables such as the evolution of interest rates and the CPI of the geography where the CGU is located, among others.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The constant growth rate for extrapolating cash flows, starting in the third or fifth yea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;r, beyond the period covered by the budgets or forecasts.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;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 o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;f the businesses evaluated.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The focus used by the Group&amp;#39;s management to determine the values of the assumptions is based both on its projections and past experience. These values are verified and use external sources of information, wherever possible. Addi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tionally, the valuations &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;of the goodwill of the CGUs of t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he United States and Turkey have been reviewed by independent experts (not the Group&amp;#39;s external auditors) as of Marc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;h 31, 2020 and December 31, 2019&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;. However, certain changes to the valuation assumpt&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ions used could cause differences in the impairment test result&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;As of December 31, 2019, the Group estimated impairment losses in the United States CGU of &amp;#8364;1,318 million, which was mainly as a result of the negative evolution of interest rates, especially&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; in the second half of the year, which accompanied by the slowdown of the economy caused the expected evolution of results below the previous estimation. This recognition did not affect the tangible book value nor the liquidity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; nor the capital&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; of the BBVA &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Group&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;As of March 31, 2020, the Group identified an indicator of impairment of goodwill in the CGU and as a result of the goodwill impairment test, the Group estimated impairment in the United States CGU, of &amp;#8364;2,084 million (see Note 44), which was mainly &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;due to the negative impact of the update of the macroeconomic scenario following the COVID&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;19 pandemic (see Note 1.5) and the expected evolution of interest rates. This recognition did not affect the tangible book value nor the liquidity &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nor the capital &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the BBVA Group&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;As of June 30, 2020, as a result of the CGU&amp;#180;s assessment, the Group concluded there is no evidence of further indicators of impairment losses that requires recognizing significant additional impairment losses in any of the CGUs where goodw&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ill that the Group has recognized in the consolidated balance sheet is allocated&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' &gt;Goodwill - The United States CGU&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The Group&amp;#8217;s most significant goodwill corresponds to the CGU in the United States, the main significant assumptions used in the impairment te&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;st as of March 31, 2020 of this mentioned CGU, were:&lt;/font&gt;&lt;/p&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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Impairment test assumptions 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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;March 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &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;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10.3%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.0%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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;/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:8pt;margin-left:0pt;' &gt;In accordance with paragraph 33.c of IAS 36, as of March 31, 2020, the Group used a growth rate of 3.0% based on the real GDP growth rate of the United States, the expected &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;inflation and the potential growth of the banking sector in the United States. This 3.0% rate is lower 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.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he assumptions with a greater relative weight and whose volatility could have a greater impact in determining the present value of the cash flows starting on the fifth year are the discount rate and the growth rate. Below is shown the increased (or decreas&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ed) amount of the CGU recoverable amount as a result of a reasonable variation (in basis points) of each of the key assumptions as of March 31, 2020:&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:437.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:437.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Sensitivity analysis for main assumptions - The United States (Millions of Euros)&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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Increase of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Decrease of 50 basis points (*)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &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;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(755)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;869&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:19.5pt;' &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;Growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;270&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(235)&lt;/font&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:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*)   Based on historical changes, the use of 50 basis points to calculate the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; sensitivity analysis would be a reasonable variation with respect to the observed variations over the last five years&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' &gt;Goodwill - Turkey CGU&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The main significant assumptions used in the impairment test as of March 31, 2020 of the CGU of Turkey, were:&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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;March 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.45pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18.1%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17.4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.45pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;Given the potential growth of the sector in Turkey, in accordance with paragraph 33.c of IAS 36, as of March 31, 2020 and December 31, 2019, the Group used a growth rate of 7.0% based on the real GDP growth rate of Turkey and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;expected inflation.&lt;/font&gt;&lt;/p&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:8pt;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 growth rate. Below is shown the increased &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;(or decreased) amount of the recoverable amount as a result of a reasonable variati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;on (in basis points) of each of the key assumptions as of March 31, 2020:&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:400.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:400.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Sensitivity analysis for main assumptions - Turkey (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:103.5pt;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:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Impact of an increase of 50 basis points &lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Impact of a decrease of 50 basis points &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:103.5pt;border-top-style:solid;border-top-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;color:#000000;' &gt;Discount rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(166)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;183&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:103.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Growth rate&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(21)&lt;/font&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:8pt;margin-left:0pt;color:#004580;' &gt;Goodwill - Other CGUs&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The sensitivity analysis on the main hypotheses c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;arried out for the rest of the CGUs of the Group indicate that their value in use would continue to exceed their book value.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;17.2    Other intangible assets&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance and changes of this heading in the accompanying consolidated balance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other intangible assets (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27.75pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Computer software acquisition expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,532&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &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;Other intangible assets with an infinite useful life&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other intangible assets with a definite useful life&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;401&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,863&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,010&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfIntangibleAssetsExplanatory>
  <bbva:Disclosureoftaxassetsandliabiltiiesexplanatory id="ID_2949" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;18.    Tax assets and liabilities&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;18.1    Consolidated tax group&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Pursuant to current legislation, BBVA consolidated tax group in Spain includes the Ban&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;k (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.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The Group&amp;#8217;s non-Spanish banks and subsidiaries file tax&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; returns in accordance with the tax legislation in force in each country.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;18.2    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Current and deferred taxes&lt;/font&gt;&lt;/p&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:8pt;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 un&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;der the &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:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Tax assets and liabilities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Tax assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,182&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,765&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,536&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,318&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;17,083&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Tax liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;560&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;880&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,968&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,928&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,529&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,808&lt;/font&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:8pt;margin-left:0pt;' &gt;The Group has carried out an analysis of its rec&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;overy of deferred tax assets and liabilities taking into account the impact of COVID-19 pandemic (see Note 1.5) in the Group&amp;#39;s consolidated Financial Statements as of June 30, 2020, and in the projections of taxable income in the coming years, without any &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;relevant effects on the recognition of deferred tax assets and liabilities, as of June 30, 2020&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureoftaxassetsandliabiltiiesexplanatory>
  <bbva:Disclosureofotherassetsandliabilitiesexplanatory id="ID_2950" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;19.    Other assets and liabilities&lt;/font&gt;&lt;/p&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:8pt;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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other assets and liabilities (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#004481;' &gt;ASSETS&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &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: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;Inventories&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;615&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Transactions in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;165&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Accruals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;929&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other items&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,277&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,800&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;font-weight:bold;color:#004481;' &gt;LIABILITIES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Transactions in progress&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Accruals&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,456&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other items&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,247&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,107&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,742&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofotherassetsandliabilitiesexplanatory>
  <ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory id="ID_2951" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;20.    Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/p&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:8pt;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&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; balance sheets, broken down by the origin of 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:18.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20.25pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Foreclosures and recoveries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,487&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,647&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Assets from tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;310&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Business sale - Assets (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,728&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,716&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other assets classified as held for sale (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;279&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Accrued amortization (***)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(54)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(51)&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(534)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(543)&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:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,079&lt;/font&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:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*)       &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;It includes mainly BBVA&amp;#8217;s stake in BBVA Paraguay (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(**)     &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;It includes mainly the agreement for the alliance with Allianz, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Compa&amp;#241;&amp;#237;a de Seguros y Reaseguros, S.A (see Note 3).&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(***)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Accumulated amortization until related asset was reclassified as &amp;#8220;Non-current assets and disposal groups held for sale&amp;#8221;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory>
  <bbva:Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory id="ID_2952" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;22.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;Assets and liabilities under insurance and reinsurance contracts&lt;/font&gt;&lt;/p&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:8pt;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 re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ceive 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. As of June 30, 2020 and December 31, 2019, t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he balance under this heading amounted to &amp;#8364;332 million and &amp;#8364;341 million, respectively.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The most significant provisions recognized by consolidated insurance subsidiaries with respect to insurance policies issued by them are under the heading &amp;#8220;Liabilities un&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;der insurance and reinsurance contracts&amp;#8221; in the accompanying consolidated balance sheets.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;#8220;Liabilities under reinsurance and insurance contracts&amp;#8221; 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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Liabilities under insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,247&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;652&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;641&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9,462&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;10,606&lt;/font&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:6pt;margin-left:0pt;' &gt;(*)    The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;variation corresponds mainly to the decrease in Mexico.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory>
  <bbva:Disclosureofprovisions id="ID_2953" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;23.    Provisions&lt;/font&gt;&lt;/p&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:8pt;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:13.5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Provisions. Breakdown by concepts (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Provisions for pensions and similar obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Other long term employee benefits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Provisions for taxes and other legal contingencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;738&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;677&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Provisions for contingent risks and commitments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;774&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other provisions (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;502&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;457&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,538&lt;/font&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:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Individually insignificant provisions or contingencies, for various concepts in different geographies.&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:9pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;Ongoing legal proceedings and litigation&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The financial sector faces an environment of increased regulatory pressure and litigation. In this environment, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the various Group entities are often sued on lawsuits and are therefore involved in individual or collective legal proceedings and litigation arising from their activity and operations, including proceedings arising from their lending activity, from their &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;labour&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; relations and from other commercial, regulatory or tax issues, as well as in arbitration.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;On the basis of the information available, the Group considers that, at June 30, 2020, the provisions made in relation to judicial proceedings and arbitration,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; where so required, are adequate and reasonably cover the liabilities that might arise, if any, from such proceedings. Furthermore, on the basis of the information available and with the exceptions indicated in Note 6.1 &amp;quot;Risk factors&amp;quot;, BBVA considers that &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the liabilities that may arise from such proceedings will not have, on a case-by-case basis, a significant adverse effect on the Group&amp;#39;s business, financial situation or results of operations.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofprovisions>
  <ifrs-full:DisclosureOfEmployeeBenefitsExplanatory id="ID_2954" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;24.    Pension and other post-employment commitments&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The Group &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;sponsors defined-contribution plans for the majority of its active employees, with the plans in Spain and Mexico being the most significant. Most of the defined benefit plans are for individuals already retired, and are closed to new employees, the most si&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;gnificant being those in Spain, Mexico, the United States and Turkey. In Mexico, the Group provides post-retirement medical benefits to a closed group of employees and their family members, both active service and in retirees.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The amounts relating to post-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;employment benefits charged to the profit and loss account and other comprehensive income for the six month periods ended June 30, 2020 and 2019 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='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Condensed consolidated income statement impact (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Interest income and expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Personnel expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Defined contribution plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Defined benefit plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39.1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Provisions, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total: expense (income)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;247&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEmployeeBenefitsExplanatory>
  <bbva:Disclosureofcommonstockexplanatory id="ID_2955" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;25.    Capital&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of June 30, 2020 and December 31, 2019, BBVA&amp;#8217;s s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;hare capital amounted to &amp;#8364;3,267,264,424.20 divided into 6,667,886,580 fully subscribed and paid-up registered shares, all of the same class and series, at &amp;#8364;0.49 par value each, represented through book-entry accounts. All of the Bank&amp;#180;s shares carry the sam&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;e voting and dividend rights, and no single stockholder enjoys special voting rights. Each and every share is part of the Bank&amp;#8217;s &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;capital.&lt;/font&gt;&lt;/p&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:8pt;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&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 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. BBVA is not aware of any agreement&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; that could give rise to changes in the control of the Bank.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofcommonstockexplanatory>
  <ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory id="ID_2956" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;26.    Retained earnings and other reserves&lt;/font&gt;&lt;/p&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:8pt;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:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Retained earnings and other reserves  (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Retained earnings&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30,589&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29,388&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other reserves &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(160)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29,268&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory>
  <bbva:Accumulatedothercomprehensiveincomeexplanatory id="ID_2957" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;27.  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;  Accumulated other comprehensive income&lt;/font&gt;&lt;/p&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:8pt;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:11.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Accumulated other comprehensive income. Breakdown by concepts (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#004481;' &gt;Items that will not be reclassified to profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(2,253)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(1,875)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Actuarial gains (losses) on defined benefit pension plans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,381)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,498)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:22.5pt;' &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;Fair value changes of equity instruments measured at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(940)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(403)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;67&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;font-weight:bold;color:#004481;' &gt;Items that may be reclassified to profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(10,570)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;(8,351)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Hedge of net investments in foreign operations (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(312)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(896)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Foreign currency translation &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(12,351)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9,147)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Hedging derivatives. Cash flow hedges (effective portion)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;308&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(44)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;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:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,830&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,760&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;color:#000000;' &gt;Non-current assets and disposal groups classified as held for sale&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(27)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(19)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,822)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(10,226)&lt;/font&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:8pt;margin-left:0pt;' &gt;The balances recognized under these headings are presented net of tax&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Accumulatedothercomprehensiveincomeexplanatory>
  <ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory id="ID_2958" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;28.    Non-controlling interest&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The table below is a 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 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Non-controlling interests: breakdown by subgroups (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Garanti BBVA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,988&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,240&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;BBVA Peru&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;BBVA Argentina&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;439&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;422&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;BBVA Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;BBVA Venezuela&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other entities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;5,836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,201&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;These amounts are broken down by groups of consolidated entities under the heading &amp;#8220;Profit for the year- Attributable to minority interests (non-controlling interest)&amp;#8221; in the accompanying consolidated income sta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;tements&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:12pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Profit attributable to non-controlling interests (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Garanti BBVA&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;274&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Peru&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Argentina&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Colombia&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Venezuela&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;333&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory>
  <ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory id="ID_2959" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;29.    Capital base and capital management&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The eligible capital instruments and the risk-weighted assets of the Group (phased in) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;are shown below, calculated in accordance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;with the applicable regulation, considering the entities in scope required by such&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; regulation, as of June 30, 2020 and December 31, 2019&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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Capital ratios (phased-in)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eligible Common Equity Tier 1 capital (millions of Euros) (a)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;42,118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43,653&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eligible Additional Tier 1 capital (millions of Euros) (b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,067&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,048&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Eligible Tier 2 capital (millions of Euros) (c)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,345&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,304&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Risk Weighted Assets (millions of Euros) (d)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;362,050&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;364,448&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Common Tier 1 capital ratio (CET 1) (A)=(a)/(d)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.63%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11.98%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Additional Tier 1 capital ratio (AT 1) (B)=(b)/(d)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.68%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1.66%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tier 1 capital ratio (Tier 1) (A)+(B)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.31%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13.64%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Tier 2 capital ratio (Tier 2) (C)=(c)/(d)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.58%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2.28%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total capital ratio (A)+(B)+(C)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.89%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15.92%&lt;/font&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:6pt;margin-left:0pt;' &gt;(*) Provisional 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:8pt;margin-left:0pt;' &gt;The uncertainty caused by the COVID-19 pandemic has led to a significant fluctuation in asset prices in the financial markets, accompanied by a sharp incre&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ase in volatility; the stock exchanges have experienced falls in response to the impact of the crisis on corporate earnings and the increase in risk aversion that has also spread to the debt markets, as well as the evolution of exchange rates. All this has&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; caused a negative impact on the Group&amp;#39;s capital ratios until June 30, 2020. However, during the second quarter of the year, the stability of the financial markets, largely motivated by the stimulus measures for the economy announced by the different natio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nal and supranational authorities, have partially recovered the shocks produced in asset prices and the volatility has been reduced, which has had a positive contribution in the capital ratios during the last quarter.&lt;/font&gt;&lt;/p&gt;&lt;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;In addition, the approval by the Europ&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ean Parliament and the Council of Regulation 2020/873 (known as &amp;#8220;CRR Quick Fix&amp;#8221;), amending both Regulation 575/2013 (Capital Requirement Regulation (CRR)) and Regulation 2019/876 (Capital Requirement Regulation 2 (CRR2)) has contributed positively to the c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;apital ratios.&lt;/font&gt;&lt;/p&gt;&lt;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;As of June 30, 2020, the CET 1 ratio stood at 11.63%, which represents a reduction of 34 basis points compared to December 31, 2019.&lt;/font&gt;&lt;/p&gt;&lt;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;The additional Tier 1 capital (AT1) stood at 1.68% at the end of June 2020, remaining at similar levels&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; than previous quarters, while the Tier 2 ratio increased by 30 basis points to 2.58% explained partly by the new Tier 2 instruments issued by the Group during the first half of the 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:8pt;margin-left:0pt;' &gt;As a result, the total capital ratio stood at 15.89%, remaining at a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; similar level to that of December 2019.&lt;/font&gt;&lt;/p&gt;&lt;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;The risk-weighted assets during the first six months of the year, affected by the evolution of exchange rates decreased by approximately &amp;#8364;2,400 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:8pt;margin-left:0pt;' &gt;The breakdown of the leverage ratio as of June 30, 2020 and De&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;cember 31, 2019, calculated according to CCR, 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:11.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Leverage ratio&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020 (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;Tier 1 (millions of Euros) (a)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;48,185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49,701&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;Exposure to leverage ratio (millions of Euros) (b)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;771,590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;731,087&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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;Leverage ratio (a)/(b) (percentage)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.24%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6.80%&lt;/font&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:6pt;margin-left:0pt;' &gt;(*) Provisional data&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory>
  <ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory id="ID_2960" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;30.    Com&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;mitments and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;guarantees&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt; given&lt;/font&gt;&lt;/p&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:8pt;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:13.5pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Commitments and guarantees given (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-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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;134,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;130,923&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;font-style:italic;color:#787878;' &gt;Of which: defaulted&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;270&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2,897&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3,117&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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 institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;14,450&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;11,742&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Other financial corporations &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4,955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;4,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Non-financial corporations &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;69,184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;65,475&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Households &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;43,008&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;46,011&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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;10,989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;10,984&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;font-style:italic;color:#787878;' &gt;Of which: defaulted (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;109&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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 institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;427&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Other financial corporations &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;677&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;583&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;9,529&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;8,986&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Households &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;295&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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Other commitments given &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;38,563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;39,209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;font-style:italic;color:#787878;' &gt;Of which: defaulted (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;506&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;1,685&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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 institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5,119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;5,952&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;3,924&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;2,902&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;27,535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;29,682&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Households &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;193&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' &gt;151&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6.2.2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;184,046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;181,116&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:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*) Non-performing financial &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;guarantees given amounted to &amp;#8364;702 million &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;and &amp;#8364;730 million, respectively, as of June 30, 2020 and December 31, 2019, respectively.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of June 30, 2020, the provisions for loan commitments given, financial guarantees given and other commitments given, recorded in t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he consolidated balance sheet amounted &amp;#8364;376 million, &amp;#8364;167 million and &amp;#8364;231 million, respectively (see Note 23).&lt;/font&gt;&lt;/p&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:8pt;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 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;of these 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;/div&gt;</ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory>
  <bbva:Disclosureofothercontingentassetsandliabilitiesexplanatory id="ID_2961" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;31.    O&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;ther contingent assets and liabilities&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of June 30, 2020 and December 31, 2019, there were no &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;material contingent assets or liabilities other than those disclosed in the accompanying notes to the condensed interim consolidated Financial Statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofothercontingentassetsandliabilitiesexplanatory>
  <ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory id="ID_2962" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;32. Net interest income&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;32.1    Interest and other income&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the interest and other inc&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ome recognized 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:11.45pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Interest 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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,071&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;80&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;77&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;975&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,031&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,911&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;477&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13,228&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15,633&lt;/font&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;32.2    Interest expense&lt;/font&gt;&lt;/p&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:8pt;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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Interest expense. 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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;344&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;746&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial liabilities designated at fair value through profit or loss &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,613&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Adjustments of expense as a result of hedging transactions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(176)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;324&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;125&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,574&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,691&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory>
  <ifrs-full:DisclosureOfDividendsExplanatory id="ID_2963" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;33.    Dividend income&lt;/font&gt;&lt;/p&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:8pt;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 me&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;thod (see Note 34), as per 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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Dividend income. Breakdown by headline (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:23.25pt;' &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;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;color:#000000;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;70&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;78 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.45pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;103&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDividendsExplanatory>
  <ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory id="ID_2964" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;34.    Share of profit or loss of entities accounted for using the equity method&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Results from &amp;#8220;Share of profit or loss of entities accounted for using the equity method&amp;#8221; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;resulted in a loss of &amp;#8364;17 million for the six months ended June 30, 2020, compared with the loss of &amp;#8364;19 million recorded for the six months ended June 30, 2019.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory>
  <ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory id="ID_2965" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;35.    Fee and commission income and expense&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under these headings &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fee and commission income. 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: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;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;265&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;232&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Credit and debit cards and ATMs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,538&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Checks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;368&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;393&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;69&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other commitments and financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;185&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;582&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;511&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;199&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;297&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,325&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,661&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The breakdown of the balance under these headings 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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fee and commission expense. 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: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;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;621&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;798&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,191&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory>
  <bbva:Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory id="ID_2966" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;36.    Gains (lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;sses) on financial assets and liabilities, hedge accounting and exchange differences, net&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under these headings, by source of the related items, 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:23.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:582pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:582pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net. Breakdown by heading (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:30pt;' &gt;&lt;td style='width:381.75pt;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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:20.45pt;' &gt;&lt;td style='width:381.75pt;border-top-style:solid;border-top-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;color:#000000;' &gt;Gains (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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;229&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other financial assets and liabilities &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;123&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) on financial assets and liabilities held for trading, net&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;187&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;173&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:22.5pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;205&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Gains (losses) from hedge accounting, net &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;73&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:381.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal gains (losses) on financial assets and liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;408&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;316&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.6pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;542&lt;/font&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:8pt;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:23.25pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:582pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:582pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Gains (losses) on financial assets and liabilities. Breakdown by instrument (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:381.75pt;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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Debt instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;646&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;451&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Equity instruments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,374)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;764&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Trading derivatives and hedge accounting&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,384&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(653)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;119&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &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;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(277)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;408&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory>
  <ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory id="ID_2967" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;37.    Other operating income and exp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;ense&lt;/font&gt;&lt;/p&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:8pt;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:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other operating income (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;115&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;129&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hyperinflation adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;337&lt;/font&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under the heading &amp;#8220;Other operating expense&amp;#8221; in the acco&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;mpanying 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:450.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:450.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;55&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Contributions to guaranteed banks deposits funds &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;353&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Hyperinflation adjustment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;249&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other operating expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;235&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;848&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory>
  <bbva:DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory id="ID_2968" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;38.    Income and expense from insurance and reinsurance contracts&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The detail of the headings &amp;#8220;Income and expense from insurance and reinsurance contracts&amp;#8221; in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:23.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Income and expense from insurance and reinsurance contracts (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Income from insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,307&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,547&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Expense from insurance and reinsurance contracts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(765)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(983)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;542&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;565&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory>
  <bbva:Personnelexpensesexplanatory id="ID_2969" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;39.    Administration costs&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;39.1    Personnel expense&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading in the accompanying consolidated income statements is as &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Personnel expense (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-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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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;Wages and salaries&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,225&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,435&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;Social security costs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;379&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;396&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Defined contribution plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;49&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Defined benefit plan expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other personnel expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;222&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,131&lt;/font&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;39.2    Other administrative expense&lt;/font&gt;&lt;/p&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:8pt;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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Other administrative expense. Breakdown by main concepts (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-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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Technology and systems&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;604&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Communications &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Advertising&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &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;Property, fixtures and materials&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;248&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;266&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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: rent expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;46&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;52&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Taxes other than income tax&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;199&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;203&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Surveillance and cash courier services&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12pt;' &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;Other expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;474&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;521&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,872&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,953&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Personnelexpensesexplanatory>
  <ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory id="ID_2970" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;40.    Depreciation and amortization&lt;/font&gt;&lt;/p&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:8pt;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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;456&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;488&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: For own use&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;294&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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: Right-of-use assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;188&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;192&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;302&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;790&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory>
  <ifrs-full:DisclosureOfProvisionsExplanatory id="ID_2971" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;41.    Provisions or (reversal) of provisions&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the six months ended June 30, 2020 and 2019 the net provisions r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ecognized 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='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &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;Pensions and other post employment defined benefit obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;145 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.45pt;' &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;Commitments and guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.45pt;' &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;Pending legal issues and tax litigation&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;199 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.45pt;' &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;Other provisions &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;90 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;51 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.45pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;541&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfProvisionsExplanatory>
  <bbva:Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory id="ID_2972" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;42.    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:11pt;font-weight:bold;color:#072146;' &gt; or net gains by modification&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of Imp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;airment 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:24.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;Financial assets at fair value through other comprehensive income - Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12.4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Financial assets at amortized cost (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,075&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,727&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;font-style:italic;color:#666666;' &gt;Of which: recovery of written-off assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;(145)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;(534)&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4,146&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,731&lt;/font&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:6pt;margin-left:0pt;' &gt;(*)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;As of June 30, 2020 th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;e amount includes mainly the negative impact of the update of the macroeconomic scenario following the COVID-19 pandemic (see Notes 1.5 and 6.2).&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory>
  <bbva:Disclosureofimpairmentorreversalofjointventuresandassociatedcompaniesexplanatory id="ID_2973" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;43.    Impairment or (reversal) of impairment of investments in joint ventures and associates&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The heading &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;&amp;#8220;Impairment or reversal of the impairment of investments in joint ventures or associates&amp;quot; resulted in a loss of  &amp;#8364;60 million for the six months ended June 30, 2020, compared with nil impairment recorded for the six months ended June 30, 2019.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</bbva:Disclosureofimpairmentorreversalofjointventuresandassociatedcompaniesexplanatory>
  <bbva:Disclosureofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory id="ID_2974" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;44.    Impair&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;ment &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;or (reversal) of impairment on non-financial assets&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The impairment losses on non-financial assets broken down by the nature of those assets in the accompanying consolidated income &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:22.5pt;' &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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Tangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &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;Intangible assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,087&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Others   &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,149&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory>
  <bbva:Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory id="ID_2975" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;45.    Ga&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;ins &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;(losses) on derecognition of non-financial assets and subsidiaries, net&lt;/font&gt;&lt;/p&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:8pt;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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Gains&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13&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:bottom;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:14.25pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;8&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory>
  <bbva:Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory id="ID_2976" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;46.    Gains &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;(losses) from non-current as&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;sets and disposal groups classified as held for sale not qualifying as discontinued operations&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:31.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Gains (losses) 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:23.25pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(53)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory>
  <ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory id="ID_2977" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;49.    Subsequent events&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;On July 15, 2020, BBVA carried out an issue of preferred securities contingently convertible into newly issued ordinary shares of BBVA with exclusion of pre-emptive &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;subscription rights for shareholders for a total nominal amount of &amp;#8364;1,000 million&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 6.3)&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:10pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;From July 1, 2020 to the date of preparation of these consolidated Financial Statements, no subsequent events requiring disclosure in these interim consolida&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ted Financial Statements have taken place that significantly affect the Group&amp;#8217;s earnings or its consolidated equity position.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory>
  <bbva:Gdpscenarioslineitems id="ID_2978" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CountryaxisAxis_country_ES_bbva_PeriodaxisAxis_bbva_Year2020Member_bbva_TypeofgdpscenariosaxisAxis_bbva_GdpMember" unitRef="pure" decimals="INF">-0.1154</bbva:Gdpscenarioslineitems>
  <bbva:Gdpscenarioslineitems id="ID_2979" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CountryaxisAxis_country_ES_bbva_PeriodaxisAxis_bbva_Year2020Member_bbva_TypeofgdpscenariosaxisAxis_bbva_UnemploymentMember" unitRef="pure" decimals="INF">0.2049</bbva:Gdpscenarioslineitems>
  <bbva:Gdpscenarioslineitems id="ID_2980" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CountryaxisAxis_country_ES_bbva_PeriodaxisAxis_bbva_Year2020Member_bbva_TypeofgdpscenariosaxisAxis_bbva_HprMember" unitRef="pure" decimals="INF">-0.0408</bbva:Gdpscenarioslineitems>
  <bbva:Gdpscenarioslineitems id="ID_2981" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CountryaxisAxis_country_ES_bbva_PeriodaxisAxis_bbva_Year2021Member_bbva_TypeofgdpscenariosaxisAxis_bbva_GdpMember" unitRef="pure" decimals="INF">0.0753</bbva:Gdpscenarioslineitems>
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  <ifrs-full:DisclosureOfFinancialRiskManagementExplanatory id="ID_3080" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;6.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;Risk management&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The principles and risk management policies, as well as tools and procedures established and implemented in the Group as of June 30, 2020 do not differ significantly from those included &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;in Note 7 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;in the consolidated Financial Statements of the Group for the year ended December 31, 2019. Since January 1, 2020, the main changes were due to the effects of the COVID-19 pandemic, as detailed in these consolidated 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:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;6.1    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Risk factors&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;BBVA&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; has processes in place for identifying risks and analyzing scenarios in order to 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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The risk identification processes are forward looking to seek the identification of emerging &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;Risks are identified and measured consistently using the methodologies d&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;eemed appropriate in each case. Their measurement includes the design and application of scenario analyses and stress testing and considers the controls to&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; which the risks are subjected.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As part of this process, a forward projection of the risk appetite fr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;amework 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 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;within the target risk profile.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In this c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ontext, t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;here are a number of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;emerging &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;risks that could affect the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;evolution of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Group&amp;#39;s &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;business, including the below&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:0pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The coronavirus (COVID-19) pandemic i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;s adversely affecting the Group&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:53.85pt;' &gt;The coronavirus (COVID-19) pandemic has affected, and is expected to continue to adversely affect, the world economy and economic activity and conditions in the countries in which the Group operates, leading many of them to economic recession. Among other &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;challenges, these countries are experiencing widespread increases in unemployment levels and falls in production, while public debt has increased significantly due to support and spending measures implemented by government authorities. In addition, there h&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;as been an increase in debt defaults by both companies and individuals, volatility in the financial markets, volatility in exchange rates and falls in the value of assets and investments, all of which have adversely affected the Group&amp;#8217;s results in the firs&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;t six months of 2020, and are expected to continue affecting the Group&amp;#8217;s results in the future&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' &gt;Furthermore, the Group may be affected by the measures adopted by regulatory authorities in the banking sector, including but not limited to, the recent reducti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ons in reference interest rates, the relaxation of prudential requirements, the suspension of dividend payments until October 1, 2020, the adoption of moratorium measures for bank customers (such as those included in Royal Decree Law 11/2020 in Spain, as w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ell as in the CECA-AEB agreement to which BBVA has adhered and which, among other things, allows loan debtors to extend maturities and defer interest payments) and facilities to grant credit with the benefit of public guarantees, especially to companies an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;d self-employed individuals, as well as changes in the financial asset purchase programs&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' &gt;Since the outbreak of COVID-19, the Group has experienced a decline in its activity. For example, the granting of new loans to individuals has significantly decreased&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; since the beginning of the state of emergency or periods of confinement decreed in certain countries in which the Group operates. In addition, the Group faces various risks, such as an increased risk of deterioration in the value of its assets (including &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;financial instruments valued at fair value, which may suffer significant fluctuations) and of the securities held for liquidity reasons, a possible significant increase in non-performing loans and a negative impact on the Group&amp;#8217;s cost of financing and on i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ts access to financing (especially in an environment where credit ratings are affected). &lt;/font&gt;&lt;/p&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:8pt;margin-left:53.85pt;' &gt;In addition, in several of the countries in which the Group operates, including Spain, the Group has temporarily closed a significant number of its offices and reduce&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;d hours of working with the public, and the teams that provide central services have been working remotely. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;T&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;hese measures are being gradually reversed in some regions, such as Spain, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;however, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;due to the continued expansion of the COVID-19 pandemic, it is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;unclear how long it will take for normal operations to be fully resumed. The COVID-19 pandemic could also adversely affect the business and operations of third parties that provide critical services to the Group and, in particular, the greater demand and/o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;r reduced availability of certain resources could in some cases make it more difficult for the Group to maintain the required service levels. Furthermore, the increase in remote working has increased the risks related to cybersecurity, as the use of non-co&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rporate networks has increased.&lt;/font&gt;&lt;/p&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:8pt;margin-left:53.85pt;' &gt;As a result of the above, while the impact of the COVID-19 pandemic only started to be evident at the end of the first quarter of 2020, it has had a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;n&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; adverse effect on the Group&amp;#39;s results for the first half of 2020, as well &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;as on the Group&amp;#39;s capital base as of June 30, 2020. The main accumulated impacts have been&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' &gt;(i)    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;an&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;increase in the cost of risk associated with the lending activity, mainly due to the deterioration of the macroeconomic environment, which has had a negative impact of &amp;#8364;2,009 million in the Group (including the initial adverse effect of deferment of payment) and provisions for credit risk and contingent commitments for &amp;#8364;95 million. (See Notes 6.2, 41 and 42); and&lt;/font&gt;&lt;/p&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:8pt;margin-left:53.85pt;' &gt;(ii)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;deterioration in the goodwill of the Group&amp;#39;s subsidiary in the United States, mainly due to the deterioration of the macroeconomic scenario in the United States, which has had a net negative impact of &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;2,084 million on the Group&amp;#39;s attributed profit in this period (although this impact does not affect the tangible book value, nor the solvency or the liquidity of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Group) (see Notes 17.1 and 44)&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' &gt;The final magnitude of the impact of the COVID-19 pandemic on the Group&amp;#39;s business, financial condition and results of operations, which is expecte&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;d to be significant, will depend on future and uncertain events, including the intensity and persistence over time of the consequences arising from the COVID-19 pandemic in the different geographies in which the Group operates.&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:0pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Macroeconomic and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;geopolitical risks&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Global economy is being severely affected by the COVID-19 pandemic, which has spread to most countries around the world and is affecting their economies in stag&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;es due to the lockdown measures &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;that&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; restrict business, and impact consumer and business confidence. Although many countries in East Asia and Europe now seem to be over the worst of the pandemic and have reopened their economies, it is still spreading in much of the American continent. Gover&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;nments and central banks have generally implemented fiscal and monetary stimulus measures, which are helping to mitigate the economic impact, but this will not prevent the global economy from entering in a recession &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;during the second half of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; the year&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Duri&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ng the second quarter of 2020, the financial markets have generally remained stable due to the actions of the central banks in the developed countries (announcements of asset purchases, lending facilities, interest rate reductions) and various fiscal stimu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;lus packages announced by governments. In addition, the relaxing of the lockdown taking place in most countries and the corresponding upturn in economic activity have contributed to improving economic confidence and activity. With respect to the latter, th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;e indicators generally show that the contraction until April was sharper than expected, but that the improvement since May has been robust and relatively widespread, especially in the developed economies where support through the policies has been more sig&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;nificant and effective.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In terms of global growth, BBVA Research expects a V-shaped recovery in economic activity, although without reaching pre-crisis GDP levels. This recovery will be slower than expected and will vary across the different regions. BBVA &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Research&amp;#39;s baseline scenario is based on the assumption that there will be further waves of infections until a vaccine or treatment for COVID-19 becomes available, without it resulting in strict lockdown measures. As a result, growth forecasts have been re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;vised downward in 2020 and upward in 2021, with a higher cumulative loss of GDP over the two-year period, especially in emerging countries. More specifically, BBVA Research has adjusted its global growth forecast from -2.4% to around -3.1% in 2020 and from&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; 4.8% to 5.1% in 2021. However, one should keep in mind that epidemiological, economic, financial and geopolitical factors will lead to uncertainty remaining at exceptionally high levels and this will be a source of risk to economic forecasts.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;With regard &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;to the banking system, in an environment in which much of the economic activity has been at a standstill for several months, banking services have played an essential role, fundamentally for two reasons: first, the banks have ensured the proper functioning&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; of collections and payments for households and companies, thereby contributing to the maintenance of economic activity; second, the granting of new lending or the renewal of existing lending has reduced the impact of the economic slowdown on households an&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;d business incomes. In the current situation, it is very important to ensure that the temporary liquidity problems faced by companies do not become solvency problems, thus jeopardizing their survival and the jobs they create. As a result, the support provi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ded by the banks during the months of lockdown and the public guarantees have been essential, as the banks have been the only source of financing for most of the companies.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Although in terms of profitability, European and Spanish banks are still far from t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;he levels seen before the crisis, due mainly to their accumulation of capital and the low interest rate environment we have been experiencing for some time now, the financial institutions are facing this challenge from a healthy position since their solven&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;cy has been constantly improving since the 2008 crisis, with increased capital and liquidity buffers and therefore a greater capacity to lend.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:0pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Regulatory and reputational risks&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Financial institutions are exposed to a complex and ever-changing regulatory &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;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 moni&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;tors 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 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;criteria in its implementation.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The financial sector is under ever closer scrutiny by r&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;egulators, 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 me&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;mbers are governed by the principles of integrity, honesty, long-term vision and industry practices through, inter alia, the internal control model, the Code of Conduct, the Corporate Principles in tax matters and Responsible Business Strategy of the Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:0pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Busine&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ss, operational and legal risks&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;New technologies and forms of customer relationships: Developments &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;in the digital world and in information technologies pose significant challenges for financial institutions, entailing threats (new competitors, disintermediation, etc.) but also opportunities (new framework of relations with customers, greater ability to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;adapt to their needs, new products and distribution channels, etc.). Digital transformation is a priority for the Group as it aims to lead digital banking of the f&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;uture as one of its objectives.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Technological risks and security breaches: The Group is expos&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ed 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&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; operational and technologi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;cal risk management and control&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;financial sector faces an environment of increasing regulatory and litigious pressure, and thus, the various Group entities are usually party to individual or collective judicial proceedings (including class actions) resulting from their activity and operations, as well as arbitration proceedings. The Group is also party to other government procedures and investigations, such as those carried out by the antitrust authorities in certain countries which, among other things, have in the past and could in the future result into sanctions, as well as lead to claims by customers and others. In addition, the regulatory framework, in the jurisdictions in which the Group operates, is evolving towards a supervisory approach more focused on the opening of sanctioning proceedings while some regulators are focusing their attention on consumer protection a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;nd behavio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ral &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;risk.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In Spain and in other jurisdictions where the Group operates, legal and regulatory act&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ions and proceedings against financial institutions, prompted in part by certain judgments in favor of consumers handed down by national and supranational courts, have increased significantly in recent years and this trend could continue in the future. The&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; legal and regulatory actions and proceedings faced by other financial institutions in relation to these and other matters, especially if such actions or proceedings result in favorable resolutions for the consumer, could a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;lso adversely affect the Group.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:71.75pt;color:#000000;' &gt;In &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;relation to consumer mortgage loan contracts linked to the index known as IRPH (average rate of mortgage loans over three years for free home purchase), considered &amp;#8220;official interest rate &amp;#8221;By the mortgage transparency regulations, calculated by the Bank&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; of Spain and published in the Official State Gazette, on 14 December 2017 the Supreme Court issued judgment 669/2017 in which it confirmed that it was not possible to determine the lack of transparency of the interest rate of the loan by the mere fact of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;its reference to one or the other official index, nor therefore its abuse according to Directive 93/13. In a separate legal proceeding, albeit concerning the same clause, the matter was referred to the Court of Justice of the European Union, raising a prel&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;iminary question in which the application of the aforementioned IRPH index and the decision of the Supreme Court on the matter was questioned again. On March 3, 2020, the Court of Justice of the European Union resolved the referred question for a prelimina&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ry ruling&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/p&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:8pt;margin-left:71.75pt;color:#000000;' &gt;In &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;that resolution, the Court of Justice of the European Union concludes that the main elements relating to the calculation of the saving banks IRPH index used by the bank to which the question referred (Bankia, SA) refers were contained in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Circular 8/1990 of the Banco de Espa&amp;#241;a published in the Official State Gazette allowed consumers to understand the calculation of said index. Additionally, the Court of Justice of the European Union indicates that the national court must verify whether the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; entity to which the resolution refers complied with the information obligations established by national regulations. In the event that the entity had not complied with the applicable transparency regulations, the resolution does not declare the contract n&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ull and void but rather establishes that the national court could replace the IRPH index applied in the case prosecuted for a substitute index. The resolution sets forth that, in the absence of an agreement to the contrary of the parties to the contract, t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;he referred substitute index could be the IRPH index for credit entities in Spain (as established in the fifteenth additional provision of Law 14/2013, of September 27, 2013). BBVA considers that the ruling of the Court of Justice of the European Union sho&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;uld not have significant effects on the Group&amp;#39;s business, financial situation or results of operations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/p&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:8pt;margin-left:71.7pt;color:#000000;' &gt;Additionally, there are also claims before the Spanish courts that question the application of certain interest rates and other mandatory rules to certa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;in revolving credit card agreements. On March 4, 2020, the Supreme Court has issued judgment (number 149/2020) in which it confirms the nullity of a revolving credit agreement through the use of a card signed by another entity (Wizink Bank) as the remunera&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;tive interest is considered usurious. In said judgment, the Supreme Court recognizes that the reference to the &amp;#8220;normal interest on money&amp;#8221; to be used for this product must be the average interest applicable to credit card and revolving credit operations pub&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;lished in the statistics of the Bank of Spain and that it is somewhat higher than 20% per year. In the specific case, the Supreme Court has considered a rate of 26.82% as usurious compared to 20% of the average interest. The Supreme Court concludes that fo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;r an interest rate to be usurious, must be &amp;quot;manifestly disproportionate to the circumstances of the case&amp;quot;, so that the sentence limits its effects to the case analyzed, and the marketing by financial entities of this product must be analyzed, case by case.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; BBVA considers that the ruling of the Supreme Court should not have significant effects on the Group&amp;#39;s business, financial situation or results of operations.&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;All of the above may result in a significant increase in operating and compliance costs or even &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;a reduction of revenues, and it is possible that an adverse outcome in any proceedings (depending on the amount thereof, the penalties imposed or the procedural or management costs for the Group) could damage the Group&amp;#39;s reputation, generate a knock-on eff&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ect or otherwise adversely affect the Group.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;It is difficult to predict the outcome of legal and regulatory actions and proceedings, both those to which the Group is currently exposed and those that may arise in the future, including actions and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;proceedings relating to former Group subsidiaries or in respect of which the Group may have indemnification obligations, but such outcome could be significantly adverse to the Group. In addition, a decision in any matter, whether against the Group or again&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;st another credit entity facing similar claims as those faced by the Group, could give rise to other claims against the Group. In addition, these actions and proceedings attract resources from the Group and may occupy a great deal of attention on part of t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;he Gr&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;oup&amp;#39;s management and employees.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;As of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; June &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;30, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2020, the Group had &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&amp;#8364;738&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; million in provisions for the proceedings it is facing (included in the line &amp;quot;Provisions for litigation and pending tax cases&amp;quot; in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; the consolidated balance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;sheet) (see Note 23).&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; However, the uncertainty arising from these proceedings (including those for which no provisions have been made, either because it is not possible to estimate them or for other reasons) makes it impossible to guarantee that the possible losses arising from these proceedings will not exceed, where applicable, the amounts that the Group currently has provisioned and, therefore, could affect the Group&amp;#39;s &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;results in a given period.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Legal and regulatory actions and proceedings currently faced by the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; Group or to which it may become subject in the future or otherwise affected by, individually or in the aggregate, if resolved in whole or in part adversely to the Group&amp;#180;s interests, could have a material adverse effect on the Group&amp;#8217;s business, financial c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ondition and results of operations.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' &gt;&lt;span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spanish judicial authorities are investigating the activities of Centro Exclusivo de Negocios y Transacciones, S.L. (&amp;#8220;Cenyt&amp;#8221;). Such investigation includes the provision of services by Cenyt to BBVA. On July 29, 2019, BBV&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A was named as an investigated party (investigado) in a criminal judicial investigation (Preliminary Proceeding No. 96/2017 &amp;#8211; Piece No. 9, Central Investigating Court No. 6 of the National High Court) for alleged facts which could represent the crimes of b&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ribery, revelation of secrets and corruption. As of the date of the approval of these consolidated Financial Statements, no formal accusation against BBVA has been made. Certain current and former officers and employees of the BBVA Group, as well as former&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; director&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;, have also been named as investigated parties in connection with this investigation. BBVA has been and continues to be proactively collaborating with the Spanish judicial authorities, including sharing with the courts information from its on-goi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ng forensic investigation regarding its relationship with Cenyt. BBVA has also testified before the judge and prosecutors at the request of the Central Investigating Court No. 6 of the National High Court. On February 3, 2020, BBVA was notified by the Cent&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ral Investigating Court No. 6 of the National High Court of the order lifting the secrecy of the proceedings. This criminal judicial proceeding is at a preliminary stage. Therefore, it is not possible at this time to predict the scope or duration of such p&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;roceeding or any related proceeding or its or their possible outcomes or implications for the Group, including any fines, damages or harm to the Group&amp;#8217;s reputation caused thereby.&lt;/font&gt;&lt;/span&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;6.2    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Credit risk&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;The banks are a key part of the solution to the COVID-19 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;crisis. Specifically, BBVA, has activated support initiatives with a focus on the most affected customers, regardless of whether they are companies, SMEs, self-employed workers or private individuals. The following are just some of those initiatives:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In Sp&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ain, credit facilities for SMEs and self-employed workers, and credit guaranteed by the Instituto de Cr&amp;#233;dito Oficial (&amp;#8220;ICO&amp;#8221;), deferment of pension payments and unemployment benefits, credit guaranteed by the ICO for rent payment and deferment of insurance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;credit cards payments, and repayment deferments periods on loans to consumers and companies.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In the United States, flexibility in the repayment of loans for small businesses and for consumer finance, and the removal of certain fees for individual custo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;mers;&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In Mexico, a repayment deferment on various credit products, a fixed payment plan to reduce monthly credit card charges, interruption of point of sale fees to support retailers with lower turnover and certain plans to support larger corporate custome&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;rs;&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In Turkey, delay of loan repayments, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;interests and amortizations.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In South America, some countries such as Argentina have provided a credit facility for micro-SMEs to help them purchase remote work equipment and credit facilities for payroll payments; &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Colombia has frozen repayments for up to six months on loans to individuals and companies, and is offering a special working capital facility for companies; and in Peru, various initiatives have been approved to support SMEs, and recent credit facilities a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;nd credit cards have been approved in order to support consumers.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;amount of deferment of payments (existing and completed) and the financing  granted with public guarantees given at a Group level, as well as the number of customers of both measures, as of June 30, 2020 are as follows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;:&lt;/font&gt;&lt;/p&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='9' rowspan='1' style='width:606pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:606pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;COVID-19 support programs  (Millions of Euros) &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:267pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Deferment of payments&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:133.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Financing with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;public guarantees&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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:45pt;' &gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Existing &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Completed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Number of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt; customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Number of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;customers&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:8pt;font-weight:bold;color:#072146;' &gt;Total &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;deferment of payments&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt; and guarantees&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:8pt;font-weight:bold;color:#072146;' &gt;(%) credit investment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;29,668  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,590  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36,259  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,138,894&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,791  &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;196,186&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:8pt;color:#000000;' &gt;50,050  &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:8pt;color:#000000;' &gt;11.9%&lt;/font&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:8pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;amount of deferment of payments (existing and completed) and financing granted with public guarantees given at a Group level, broken down by segment, as of June 30, 2020 are as follow&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;s:&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:417pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;COVID-19 support programs  (Millions of Euros) &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:161.25pt;' &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:173.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:173.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Deferment of payments&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Financing with&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt; public guarantees&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &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:57.75pt;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:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Existing &lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;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:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Completed&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;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:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;29,668&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;6,590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;36,259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13,791&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,975&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mortgages&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,318&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,152&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,470&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &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:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;SMEs&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,397&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,723&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &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:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,006&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &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:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,126&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;290&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&gt;&lt;/td&gt;&lt;td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;304&lt;/font&gt;&lt;/td&gt;&lt;td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' &gt;The adoption of deferment of payment measures for bank customers in the different countries in which the Group operates (such as those included in Royal Decree Law 11/2020, as well as in the CECA-AEB agreement to which BBVA has adher&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ed to in Spain) results in the temporary suspension, total or partial, of the contractual obligations with a deferral for a specific period of time. According to IFRS 9, when a deferment of payment does not generate interest collection rights, a temporary &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;loss of value is triggered for the operation, which is calculated as the difference in current value of the original and modified cash flows, both discounted at the effective interest rate of the original operation. The difference is recognized at the orig&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;inal time in the income statement under the heading &amp;#8220;Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification&amp;#8221; and its counterpart is a correction of the asset value of the lo&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ans. From that point on, said correction accrues as net interest income at the original effective interest rate within the period of the deferment of payment. Thus, at the end of the moratorium period, the impact on net attributed profit is neutral&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;The qu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;antitative information on refinancing and restructuring operations&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; is presented in the Appendix &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;I &amp;#8220;Quantitative information refinancing and restructuring operations and other requirement under Bank of Spain Circular 6/2012&amp;#8221;.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;6.2.1    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' &gt;Measurement&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' &gt; of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' &gt; Expected Credit Loss (ECL)&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;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 (inclu&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ding the economic forecast&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;), all based on the information that is available at a certain time and that is reasonable and bearable regarding future economic conditions.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Therefore the recognition and measurement of expected credit loss (ECL) is highly comple&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;x 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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' &gt;Risk Parameters Adjusted by Macroeconomic Scenarios&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Expected credit loss (ECL) must include forward looki&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ng 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, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;also &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;including forward-looking macroeconomic information. BBVA&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;BBVA&amp;#180;s methodological approach in order to incorporate the forward looking information aims to determine the relation between macroeconomic &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;variables and risk parameters following three main steps:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Step 1: Analysis and transformation of time series data.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Step 2: For each dependent variable find conditional forecasting models that are economically consistent.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Step 3: Select the best conditional&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; forecasting model from the set of candidates defined in Step 2, based on their forecasting capacity.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;How economic scenarios are reflected in calculation of ECL&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The forward looking component is added to the calculation of the ECL through the introduction &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;of macroeconomic scenarios as an input. Inputs highly depend on the particular combination of region and portfolio, so inputs are adapted to available data regarding each of them.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Based on economic theory and analysis, the main indicators most directly rel&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;evant for explaining and forecasting the selected risk pa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rameters (PD, LGD and EAD) are:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The net income of families, corporates or public administrations.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The outstanding payment amounts on the principal and interes&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;t on the financial instruments.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The value&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; of the collateral assets pledged to the loan.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;BBVA Group approximates these variables by using a proxy indicator from the set included in the macroeconomic scenarios provided by &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;BBVA Research&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; department.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Only a single specific indicator for each of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;three categories can be used and only one of the following core macroeconomic indicators should be chosen as first option:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The real GDP growth for the purpose of conditional forecasting can be seen as the only &amp;#8220;factor&amp;#8221; required for capturing the influence &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;of all potentially relevant macro-financial scenarios on internal PDs and LGD.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The most representative short term interest rate (typically the policy rate or the most liquid sovereign yield or interbank rate) or exchange rates expressed in real terms.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;A &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;comprehensive and representative index of the price of real estate properties expressed in real terms in the case of mortgage loans and a representative and real term index of the price of the relevant commodity for corporate loan portfolios concentrated i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;n exporters or producers of such commodity.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;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 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;macroeconomic scenarios.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;Multiple scenario approach&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;IFRS 9 requires calculating an unbiased probability weighted measurement of expected credit losses (&amp;#8220;ECL&amp;#8221;) by evaluating a range of possible outcomes, including forecasts&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; of future economic conditions.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;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 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Group&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, such as budgeting, ICAAP and risk appetite framework, stress testi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ng, etc.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Additionally, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the BBVA Research teams produce&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; alternative scenarios to the baseline scenario so as to meet the requirements under the IFRS 9 standard.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;Alternative macroeconomic scenarios&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;For each of the macro-financial variables, BBVA Res&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;earch produces three scenarios.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Research tracks, analyzes and forecasts the economic environment to provide a consistent forward looking assessment about the most likely scenario and risks that impact BBVA&amp;#8217;s footprint. To build economic scenarios, BBVA &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Research combines official data, econometric&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; techniques and expert judg&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ment&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;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.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The non-line&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;arity overlay is defined as the ratio between the probability-weighted ECL under the alternative scenarios and the baseline scenario, where the scenario&amp;#8217;s probability depends on the distance of the alternative scenarios from the base one.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Group &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;establishes equally weighted scenarios, being the probability 34% for the baseline scenario, 33% for the worst alternative scenario and 33% for the best alternative scenario.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;BBVA Group considers three prospective macroeconomic scenarios that it updates pe&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;riodically (currently quarterly). BBVA Research forecasts a maximum of five years for macroeconomic variables&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The approach in BBVA consists of using the scenario that is the most likely scenario, which is the baseline scenario, consistent with the rest of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; internal processes (ICAAP, Budgeting&amp;#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&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;It is important to note that in general, it is expected that the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#004580;' &gt;Macroeconomic &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004580;' &gt;scenarios as a result of the COVID-19 pandemic&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The COVID-19 pandemic has generated a macroeconomic uncertainty situation with a direct impact on credit risk of the entities, particularly, on the expected credit losses under IFRS9. Even if the situation is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;unclear and of an unforeseeable time length, the expectation &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;is&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; that this situation will provoke a severe recession followed by an economic recovery, which will not achieve the pre-crisis GDP levels in the short-term, supported by the measures issued by go&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;vernments and monetary authorities.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;This situation has allowed the accounting authorities and the banking supervisors to adopt measures in order to mitigate the impacts that this crisis could imply on the calculation of expected credit losses under IFRS9 a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;s well as on solvency, urging:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:0pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:17.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the entities to mitigate the potential procyclicality of the accounting regulation,&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:0pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:17.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the governments to adopt measures to avoid the effects of impairment,&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:0pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:17.85pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the entities to develop managerial measures as the design of specific&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; products adapted to the situation which could occur during this crisis.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Almost all accounting and prudential authorities have coordinately issued recommendations or measures within the COVID-19 crisis framework regarding the estimation of the expected los&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ses under IFRS9.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The common denominator of all of these recommendations is that, given the difficulty to elaborate reliable macroeconomic forecasts, the transitory term of the economic shock and the need to incorporate the effect of the mitigating measures&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; issued by the governments, a review the automatic application of the models in order to balance them and increase the weight of the long-term macroeconomic forecasts in the calculation of the expected losses is needed. As a result, the expected results ov&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;er the lifetime of the transactions will have more weight than the short-term macroeconomic impact.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In this respect, the BBVA Group has taken into account those recommendations in the calculation of the expected credit losses under IFRS 9, considering that&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the economic situation caused by the COVID-19 pandemic is transitory and will be followed by a recovery, even if there is uncertainty over the level and the time period of such uncertainty. As a consequence, different scenarios have been taken into consid&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;eration in the calculation of expected losses, registering the model management believes suits best the current economic situation and the combined recommendations issued by the authorities. In addition to the outcome of the calculation of the scenarios, i&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ndividual analysis of exposures which could be most affected by the circumstances caused by the COVID-19, have been taken into account.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;estimate for the next five years of the Gross Domestic Product (GDP), of the variation in the unemployment rate and of the House Price Index (HPI), for the most relevant countries where it represents a significant factor, is determined by BBVA Research and it has been used at the time of the calculation of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;expected credit loss as of June&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;30, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2020&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;:&lt;/font&gt;&lt;/p&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:615pt;text-align:left;vertical-align:bottom;background-color:#E9E9E9;border-color:Black;min-width:615pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#02A5A5;' &gt;Estimate of GDP, unemployment rate and HPR for the main geographies&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &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:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Date&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;HPR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;HPR&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;HPR&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(11.54%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;20.49%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4.08%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(9.97%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.59%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(4.40%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.82%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(0.33%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;17.33%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.24%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.08%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.45%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(1.53%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.58%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(0.39%)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.94%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;15.68%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;6.28%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.18%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.03%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;0.09%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.36%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.24%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.86%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.09%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.42%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.01%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.49%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.06%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(0.02%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.08%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.09%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.59%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.07%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.25%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.65%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.05%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;0.67%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.09%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.10%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.14%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2025&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.00%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;12.11%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.11%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.46%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;0.95%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.11%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.10%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.55%&lt;/font&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 style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Peru&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Argentina&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Colombia&lt;/font&gt;&lt;/td&gt;&lt;td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Date&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;GDP&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' &gt;Unemployment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(14.97%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;30.07%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(5.94%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.23%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;(3.07%)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;16.95%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;0.15%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.03%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2021&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.86%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.10%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.54%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.98%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;14.13%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;5.04%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;13.43%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2022&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.48%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.02%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.23%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2.64%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.81%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.53%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.78%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2023&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.68%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.39%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.96%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;9.70%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.32%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.63%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.52%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.38%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.63%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.30%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.97%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;8.75%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.47%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.42%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.51%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.23%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;2025&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.21%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.20%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;1.99%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;7.78%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;3.70%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;11.22%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;4.50%&lt;/font&gt;&lt;/td&gt;&lt;td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;10.03%&lt;/font&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:9pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;6.2.2    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' &gt;Credit risk exposure&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In accordance with IFRS 7 &amp;#8220;Financial Instruments: Disclosures&amp;#8221;, the BBVA Group&amp;#8217;s credit risk exposure by headings in the balance sheets as of June 30, 2020 and December 31, 2019 is provided below. It does not consider the loss allowances and the availabili&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ty of collateral or other &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;credit enhancements to enable&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; compliance with payment obligations. The details are broken down by the nature of the 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:490.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:490.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#02A5A5;' &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:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;70,093&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5,862&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;37,591&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;4,998&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;250&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,058&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;1,098&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Derivatives (trading and hedging) &lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;51,649&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;70,207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;68,385&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;68,079&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,789&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;463,887&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;413,517&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;34,686&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;15,684&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,792&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,859&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,822&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;400,764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;350,558&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,568&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15,637&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;43,473&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;43,346&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;86&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;41&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Total financial assets risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;661,932&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:10.5pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Total loan commitments and financial guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;184,046&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;171,130&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;11,987&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;929&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;134,494&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;126,310&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,957&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10,989&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38,563&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35,111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,010&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;441&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;845,978&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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;table style='border-collapse:collapse;' &gt;&lt;tr style='height:12pt;' &gt;&lt;td colspan='6' rowspan='1' style='width:490.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:490.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#02A5A5;' &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:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Notes&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets held for trading &lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;69,503&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;26,309&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,303&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Non-trading financial assets mandatorily at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;5,557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,120&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;110&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,327&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets designated at fair value through profit or loss&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' &gt;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;1,214&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Derivatives (trading and hedging) &lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;39,462&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:18.75pt;' &gt;&lt;td style='width:224.25pt;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:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets at fair value through other comprehensive income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;61,293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;58,841&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;58,590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;250&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,420&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;12&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Financial assets at amortized cost&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;451,640&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;402,024&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;33,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;15,993&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,664&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;158&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;394,763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;345,449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33,360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;15,954&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38,930&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;38,790&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Total financial assets risk&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;628,670&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:10.5pt;' &gt;&lt;td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;Total loan commitments and financial guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &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:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;181,116&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;169,663&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;10,452&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' &gt;1,001&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;130,923&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;123,707&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;6,945&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;270&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10,984&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;9,804&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;955&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Other commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;39,209&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;36,151&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,552&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;506&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:10.5pt;' &gt;&lt;td style='width:224.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:224.25pt;' &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:53.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;809,786&lt;/font&gt;&lt;/td&gt;&lt;td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' &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:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The breakdown &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;by geographical location and Stage of the maximum credit risk exposure, the accumulated allowances recorded and the carrying amount of the loans and advances to customers at amortized cost as of June 30, 2020 and December 31, 2019 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='13' rowspan='1' style='width:571.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:571.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#02A5A5;' &gt;June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Gross exposure&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Accumulated allowances&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Spain (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;206,649&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;184,249&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,077&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,323&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5,734)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(824)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(785)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(4,125)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;200,915&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;183,425&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,292&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,198&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;The United States&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;61,572&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52,860&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,939&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;773&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,028)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(317)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(471)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(240)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;60,544&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;52,542&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;7,468&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;51,414&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;45,386&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,833&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,972)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(761)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(459)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(752)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;49,442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;44,626&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,374&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Turkey (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;44,061&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;36,113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,417&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,532&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2,865)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(215)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(600)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(2,050)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;41,196&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;35,898&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;3,817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,482&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;South America (***)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;36,202&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;31,099&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &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:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;1,804&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,944)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(390)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(422)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1,131)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;34,258&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;30,709&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;2,876&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;672&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Others &lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;866&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;851&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(9)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(7)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;857&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' &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:12.75pt;' &gt;&lt;td style='width:112.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:112.5pt;' &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:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;400,764&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;350,558&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;34,568&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;15,637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(13,552)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(2,508)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(2,736)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(8,307)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;387,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;348,050&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;31,832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,330&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;p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*)     &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Spain includes all the countries where BBVA, S.A. operates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;.&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:6pt;margin-left:0pt;' &gt;(**)    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Turkey includes all the countries in which Garanti BBVA operates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;.&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:6pt;margin-left:0pt;' &gt;(***)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;In South America, BBVA Group operates in Argentina, Chile, Colombia, Paraguay, Peru, Uruguay and Venezuela&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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:6pt;margin-left:0pt;' &gt;(****)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation (PPA) and were originated mainly in the acquisition of Catalunya Banc S.A. (as of June 30, 2020, the remaining balance was &amp;#8364;399 million). These valuation adjustments are recognized in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;income statement during the residual life of the instrument or applied as allowances in the value of the financial instrument when the losses materialize.&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='13' rowspan='1' style='width:799.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:799.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#02A5A5;' &gt;December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Gross exposure&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Accumulated allowances&lt;/font&gt;&lt;/td&gt;&lt;td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' &gt;Carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#072146;' &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:7pt;font-weight:bold;color:#072146;' &gt;Total&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&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:7pt;font-weight:bold;color:#072146;' &gt;Total&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&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:7pt;font-weight:bold;color:#072146;' &gt;Total&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 1&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 2&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:7pt;font-weight:bold;color:#072146;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Spain (*)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;197,058&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;173,843&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;14,599&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;8,616&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(5,311)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(712)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(661)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;(3,939)&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;191,747&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;173,131&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;13,939&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:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;4,677&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;The United States&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:7pt;color:#000000;' &gt;57,387&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:7pt;color:#000000;' &gt;49,744&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:7pt;color:#000000;' &gt;7,011&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:7pt;color:#000000;' &gt;632&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:7pt;color:#000000;' &gt;(688)&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:7pt;color:#000000;' &gt;(165)&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:7pt;color:#000000;' &gt;(342)&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:7pt;color:#000000;' &gt;(182)&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:7pt;color:#000000;' &gt;56,699&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:7pt;color:#000000;' &gt;49,580&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:7pt;color:#000000;' &gt;6,670&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:7pt;color:#000000;' &gt;450&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Mexico&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:7pt;color:#000000;' &gt;60,099&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:7pt;color:#000000;' &gt;54,748&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:7pt;color:#000000;' &gt;3,873&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:7pt;color:#000000;' &gt;1,478&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:7pt;color:#000000;' &gt;(2,013)&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:7pt;color:#000000;' &gt;(697)&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:7pt;color:#000000;' &gt;(404)&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:7pt;color:#000000;' &gt;(912)&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:7pt;color:#000000;' &gt;58,087&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:7pt;color:#000000;' &gt;54,052&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:7pt;color:#000000;' &gt;3,469&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:7pt;color:#000000;' &gt;566&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Turkey (**)&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:7pt;color:#000000;' &gt;43,113&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:7pt;color:#000000;' &gt;34,536&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:7pt;color:#000000;' &gt;5,127&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:7pt;color:#000000;' &gt;3,451&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:7pt;color:#000000;' &gt;(2,613)&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:7pt;color:#000000;' &gt;(189)&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:7pt;color:#000000;' &gt;(450)&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:7pt;color:#000000;' &gt;(1,974)&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:7pt;color:#000000;' &gt;40,500&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:7pt;color:#000000;' &gt;34,347&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:7pt;color:#000000;' &gt;4,677&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:7pt;color:#000000;' &gt;1,477&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;South America (***)&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:7pt;color:#000000;' &gt;36,265&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:7pt;color:#000000;' &gt;31,754&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:7pt;color:#000000;' &gt;2,742&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:7pt;color:#000000;' &gt;1,769&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:7pt;color:#000000;' &gt;(1,769)&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:7pt;color:#000000;' &gt;(366)&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:7pt;color:#000000;' &gt;(323)&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:7pt;color:#000000;' &gt;(1,079)&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:7pt;color:#000000;' &gt;34,497&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:7pt;color:#000000;' &gt;31,388&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:7pt;color:#000000;' &gt;2,419&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:7pt;color:#000000;' &gt;690&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Others &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:7pt;color:#000000;' &gt;839&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:7pt;color:#000000;' &gt;824&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:7pt;color:#000000;' &gt;7&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:7pt;color:#000000;' &gt;9&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:7pt;color:#000000;' &gt;(8)&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:7pt;color:#000000;' &gt;(1)&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:7pt;color:#000000;' &gt;(1)&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:7pt;color:#000000;' &gt;(6)&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:7pt;color:#000000;' &gt;832&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:7pt;color:#000000;' &gt;823&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:7pt;color:#000000;' &gt;6&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:7pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:124.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:124.5pt;' &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:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;394,763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;345,449&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;33,360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;15,954&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(12,402)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(2,129)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(2,181)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;(8,093)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;382,360&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;343,320&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;31,179&lt;/font&gt;&lt;/td&gt;&lt;td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;7,861&lt;/font&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:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*)     &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Spain includes all the countries where BBVA, S.A. operates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;.&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:6pt;margin-left:0pt;' &gt;(**)    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Turkey includes all the countries in which Garanti BBVA operates&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;.&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:6pt;margin-left:0pt;' &gt;(***)   &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;In South America, BBVA Group operates in Argentina, Chile, Colombia, Paraguay, Peru, Uruguay and Venezuela&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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:6pt;margin-left:0pt;' &gt;(****)  &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation (PPA) and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2019, the remaining balance was &amp;#8364;433 million). These valuation adjustments are recognized in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;consolidated &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;income statement during the residual life of the instrument or applied as allowances in the value of the financial instrument when the losses materialize.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;
&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;breakdown by counterparty and product of loans and advances, net of loss allowances, as well as the gross carrying amount by type of product, classified in different headings of the assets, as of June 30, 2020 and December 31, 2019 is shown &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;below&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:8.25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:755.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:755.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#02A5A5;' &gt;June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:29.25pt;' &gt;&lt;td style='width:203.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By product&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;37&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;164&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;2,126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;516&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;2,844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,048&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,555&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;11,717&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;13,283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Commercial debtors&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;796&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;470&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;12,805&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;71&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,444&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;195&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;5&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;7,561&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;351&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,474&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;430&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;2,269&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;887&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;60&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,647&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,656&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;4,311&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;25,930&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,793&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,518&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;153,588&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;154,750&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;350,890&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;362,342&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,812&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,489&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,437&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;486&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,632&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,688&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;4,773&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;27,343&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;14,875&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;13,535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;179,132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;167,892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;407,549&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;421,137&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By secured loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: mortgage loans collateralized by immovable property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;953&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;300&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;30,850&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;106,609&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;138,712&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;142,457&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;430&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;4,660&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;1,763&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;1,629&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;16,238&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;4,675&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;29,396&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;29,986&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.1pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By purpose of the loan&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;43,048&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;43,048&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;46,148&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;108,159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;108,159&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;110,005&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,328&lt;/font&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='9' rowspan='1' style='width:765.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:765.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#02A5A5;' &gt;December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:24.75pt;' &gt;&lt;td style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#0066CC;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;General governments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Other financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Non-financial corporations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Households&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' &gt;Gross carrying amount&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By product&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;2,328&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;595&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,050&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Credit card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,940&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;14,401&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;16,355&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;17,608&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Commercial debtors &lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;971&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;230&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;15,976&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;99&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;17,276&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;17,617&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;227&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,091&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;387&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;8,711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;9,095&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Reverse repurchase loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,817&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;26&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,843&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;1,848&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;4,240&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;26,734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;4,121&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;7,795&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;137,934&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;160,223&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;341,047&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;351,230&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;35&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;865&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;7,743&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;3,056&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;951&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;506&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;13,156&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#000000;' &gt;13,214&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;LOANS AND ADVANCES&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;4,275&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;28,816&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;13,682&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;11,208&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;167,246&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;176,211&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;401,438&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' &gt;413,863&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By secured loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: mortgage loans collateralized by immovable property&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;1,067&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;15&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;261&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;23,575&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;111,085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;136,003&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;139,317&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: other collateralized loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;10,447&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;93&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;2,106&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;29,009&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;6,893&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;48,548&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;49,266&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By purpose of the loan&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: credit for consumption&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;46,356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;46,356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;49,474&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: lending for house purchase&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;110,178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;110,178&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;111,636&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;color:#808080;' &gt;By subordination&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' &gt;Of which: project finance loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' &gt;&lt;font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' &gt;12,415&lt;/font&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:13.8pt;' &gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;The value of guarantees received as of June 30, 2020 and December 31, 2019, 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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Guarantees received (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-weight:bold;color:#004481;' &gt;Value of collateral&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;157,585 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;152,454 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-style:italic;color:#666666;' &gt;Of which: guarantees normal risks under special monitoring&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;14,983 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;14,623 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-style:italic;color:#666666;' &gt;Of which: guarantees non-performing risks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;4,204 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;4,590 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-weight:bold;color:#004481;' &gt;Value of other guarantees&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;55,840 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;35,464 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-style:italic;color:#666666;' &gt;Of which: guarantees normal risks under special monitoring&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;4,239 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;3,306 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;font-style:italic;color:#666666;' &gt;Of which: guarantees non-performing risks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;559 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;542 &lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total value of guarantees received&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;213,425 &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;187,918 &lt;/font&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:9pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;6.2.3    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' &gt;Impaired secured loans &lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;color:#000000;' &gt;The breakdown of loans and advances, within &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;the heading &amp;#8220;Financial assets at amortized cost&amp;#8221;, non-performing and accumulated impairment, as well as the gross carrying amount, by counterparties as of June 30, 2020 and December 31, 2019, is as follows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &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='5' rowspan='1' style='width:538.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:538.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:45pt;' &gt;&lt;td style='width:250.5pt;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:#003366;' &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:8pt;font-weight:bold;color:#072146;' &gt;Gross carrying amount&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:8pt;font-weight:bold;color:#072146;' &gt;Non-performing 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:8pt;font-weight:bold;color:#072146;' &gt;Accumulated impairment&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:8pt;font-weight:bold;color:#072146;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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: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:8pt;color:#000000;' &gt;4,792&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:8pt;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:8pt;color:#000000;' &gt;(19)&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:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27,342&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:8pt;color:#000000;' &gt;77&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:8pt;color:#000000;' &gt;(83)&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:8pt;color:#000000;' &gt;0.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,859&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:8pt;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:8pt;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:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,585&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:8pt;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:8pt;color:#000000;' &gt;(50)&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:8pt;color:#000000;' &gt;0.1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;185,821&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:8pt;color:#000000;' &gt;8,190&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:8pt;color:#000000;' &gt;(7,224)&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:8pt;color:#000000;' &gt;4.4%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Households&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:8pt;color:#000000;' &gt;174,015&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:8pt;color:#000000;' &gt;7,352&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:8pt;color:#000000;' &gt;(6,195)&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:8pt;color:#000000;' &gt;4.2%&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:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;420,414&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15,643&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(13,588)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.7%&lt;/font&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='5' rowspan='1' style='width:538.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:538.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:45pt;' &gt;&lt;td style='width:250.5pt;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:#003366;' &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:8pt;font-weight:bold;color:#072146;' &gt;Gross carrying amount&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:8pt;font-weight:bold;color:#072146;' &gt;Non-performing 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:8pt;font-weight:bold;color:#072146;' &gt;Accumulated impairment &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:8pt;font-weight:bold;color:#072146;' &gt;Non-performing loans and advances as a % of the total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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: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:8pt;color:#000000;' &gt;4,285&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:8pt;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:8pt;color:#000000;' &gt;(9)&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:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,281&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:8pt;color:#000000;' &gt;88&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:8pt;color:#000000;' &gt;(60)&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:8pt;color:#000000;' &gt;0.3%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,664&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:8pt;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:8pt;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:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,239&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:8pt;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:8pt;color:#000000;' &gt;(31)&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:8pt;color:#000000;' &gt;0.2%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;173,254&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:8pt;color:#000000;' &gt;8,467&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:8pt;color:#000000;' &gt;(6,465)&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:8pt;color:#000000;' &gt;4.9%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Households&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:8pt;color:#000000;' &gt;181,989&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:8pt;color:#000000;' &gt;7,381&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:8pt;color:#000000;' &gt;(5,847)&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:8pt;color:#000000;' &gt;4.1%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;412,711&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;15,959&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,427)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3.9%&lt;/font&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:8pt;margin-left:0pt;color:#000000;' &gt;The changes during the six months ended June 30, 2020 and the year ended December 31, 2019 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;of impaired financial assets&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; (financial assets and guarantees given) are as follows&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &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:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Changes in impaired financial assets and guarantees given (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:27.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,770&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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;/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;Additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,581&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,857&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;Decreases (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(2,517)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(5,874)&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;font-weight:bold;color:#004481;' &gt;Net additions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;2,064&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;3,983&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;Amounts written-off&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,778)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3,803)&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;Exchange differences and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(322)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,734&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;16,770&lt;/font&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:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the period as a result of mortgage foreclosures and real estate assets received in lieu of payment as well as monetary recoveries.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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:9pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;6.2.4    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' &gt;Loss allowances&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Below are the changes in the six months ended June 30, 2020 and the year ended December 31, 2019 in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;loss allowances&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; recognized on the accompanying consolidated balance sheets to cover the estimated loss allowances in loans and advances of financi&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;al assets at amortized cost:&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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Changes in loss allowances of loans and advances at amortized cost (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Balance at the beginning of the period &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,427)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,217)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Increase in loss allowances charged to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6,723)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(10,236)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,603)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,650)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,771)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(1,923)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(3,350)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Decrease in loss allowances charged to income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,070&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,990&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;960&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;812&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,298&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Stage 3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,298&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,380&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Transfer to written-off loans, exchange differences and other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,036&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt; Closing balance&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(13,588)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(12,427)&lt;/font&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;6.3    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;Liquidity and funding risk&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Since the beginning of March, the global crisis caused by COVID-19 has had a significant impact on financial markets. The effects of this crisis on the Group&amp;#39;s &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;consolidated balance sheets have fundamentally been felt initially through increased drawdowns of credit facilities by wholesale customers in the face of worsening funding conditions in the markets, with no significant effect in the retail world. In view o&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;f this situation, there was a joint response by various central banks, through specific measures and programs to facilitate the funding of the real economy and the provision of liquidity in the financial markets. During the second quarter, significant net &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;repayments were made by certain wholesale customers who had drawn down credit facilities during the first quarter of the year&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;BBVA Group&amp;#180;s liquidity position in every geographical area allows its regulatory ratios to be above the minimum required&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA Group&amp;#39;s liquidity coverage ratio (LCR) remained significantly above 100% and stood at 159% as of June 30, 2020. For the calculation of this ratio, it is assumed that there is no transfer of liquidity among subsidiaries; i.e. no kind of excess liquidit&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;y levels in foreign subsidiaries are considered in the calculation of the consolidated ratio. When considering these excess liquidity levels, the BBVA Group&amp;#39;s LCR would stand at 191% (32 percentage points above 159%). In addition, it exceeded 100% in all s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ubsidiaries&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;The Net Stable Funding Ratio (NSFR), defined as the ratio between the amount of stable funding available and the amount of stable funding required, is one of the Basel Committee&amp;#39;s essential reforms, and requires banks to maintain a stable fund&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ing profile in relation to the composition of their assets and off-balance sheet activities. This ratio should be at least 100% at all times. At the BBVA Group, the NSFR, calculated according to the Basel requirements, remained above 100% throughout &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2019&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;nd stood at &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;124&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;% as of June 30, 2020&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The wholesale funding markets in which the Group operates were affected by the events of COVID-19 and secondary market prices suffered a material correction as a result of the increased volatility. This led to a &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;significant increase in the issue premiums and levels of access to the primary market. While certain degrees of volatility are still notable, this situation has been stabilizing and prices in the secondary market have been correcting themselves.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The main t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ransactions carried out by the companies that form part of the BBVA Group &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;in the first half of 2020 were:&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;During &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;the first quarter of 2020, BBVA, S.A. carried out two issuances of senior non-preferred debt totaling &amp;#8364;1,400 million and a Tier 2 issuance tota&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ling &amp;#8364;1,000 million. In the second quarter of 2020, it issued preferred senior debt totaling &amp;#8364;1,000 million as a COVID-19 social bond, the first of its kind from a private financial institution in Europe. In July 2020 two issuances were made: the first, is&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; the first green convertible bond (CoCo) ever issued by a financial institution worldwide for the amount of &amp;#8364;1,000 million, with a coupon of 6% and an option for early amortization in five and a half years (see Note 50); and the second, a subordinated debt&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; issuance of Tier 2 in Pounds sterling, for the amount of 300 million, to a term of eleven years and option of amortization to the sixth, with a coupon of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3.104&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;%.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In Mexico, a local senior issuance was carried out in February 2020 for MXN 15,000 million &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(&amp;#8364;578 million&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt; in euros&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;) in three tranches. Two tranches in Mexican pesos over 3 and 5 years (one for MXN 7,123 million at the Interbank Equilibrium Interest Rate (TIIE) 28 + 5 basis points and another for MXN 6,000 million at TIIE 28 + 15 basis points, res&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;pectively), and another tranche in US dollars over 3 years (USD 100 million at 3-&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;month Libor + 49 basis points)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;In Turkey, Garanti BBVA carried out a Tier 2 issuance for TRY 750 millio&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;n in the first quarter of 2020&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;. In the second quarter of 2020, Garanti &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;BBVA renewed a syndicated loan by issuing the first green syndicated loan indexed to sustainability criteria, and in whose renovation the EBRD -European Bank for Reconstruction and Development- and the IFC -International Finance Corporation- have participa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ted&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;.&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;</ifrs-full:DisclosureOfFinancialRiskManagementExplanatory>
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  <bbva:Publicguaranteesgivenbythegroup id="ID_3112" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_TypeofcounterpartyaxisAxis_bbva_OtherMember" unitRef="EUR" decimals="INF">79000000</bbva:Publicguaranteesgivenbythegroup>
  <ifrs-full:DisclosureOfRelatedPartyExplanatory id="ID_3113" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;47.    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;Related-party transactions&lt;/font&gt;&lt;/p&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:8pt;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 normal marke&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;t conditions. As of June 30, 2020 and December 31, 2019, the transactions with related parties are the following:&lt;/font&gt;&lt;/p&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:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;47.1    Transactions with significant shareholders&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of June 30, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2020 and December 31, 2019 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;there were no shareholders considered significant&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; (see Note 25).&lt;/font&gt;&lt;/p&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:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;47.2    Transactions with BBVA Group entities&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The balances of the main captions in the accompanying consolidated balance sheets arising from the transactions carried out by the BBVA Group with associates and joint venture entities accounted&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; for using the 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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:25.5pt;' &gt;&lt;td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:#004481;' &gt;Assets&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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: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;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;61&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,909&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,682&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;font-weight:bold;color:#004481;' &gt;Liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other contingent commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;859&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;453&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;font-weight:bold;color:#004481;' &gt;Memorandum accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Loan commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;156&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;166&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;color:#000000;' &gt;Other contingent commitments given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,042&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Financial guarantees given&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;106&lt;/font&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:8pt;margin-left:0pt;' &gt;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 unde&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;r the 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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Balances of consolidated 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:21pt;' &gt;&lt;td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Gains and losses:&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &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: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;Interest and other income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Interest expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Fee and commission income&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Fee and commission expense&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14&lt;/font&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:8pt;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 to the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;consolidated Financial Statements of 2019) and from the insurance policies to cover pension or similar commitments (see Note 25 to the consolidated Financial Statements of 2019) and the derivatives transactions arranged by BBVA Group with these entities, a&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ssociates and joint ventures.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;In addition, as part of its regular activity, the BBVA Group has entered into agreements and commitments of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; various types with shareholders of subsidiaries and associates, which have no material effects on the 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:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;47.3    Transactions with members of the Board of Directors and Senior Management&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;amount and nature of the transactions carried out with members of the Board of Directors and Senior Management of BBVA is given below. These transactions belong to the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Bank&amp;#8217;s ordinary business or traffic, are of little relevance and have being carried out under normal market conditions&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:10pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;As of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;June 30, 2020, there were no loans granted by the Group&amp;#8217;s entities to the members of the Board of Directors. As of December 31, 20&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;19, 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;607 thousand&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:10pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;As of June 30, 2020 and December 31, 2019, there were no loans granted to parties related to the members of the Boa&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;rd of Directors.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;June 30, 2020 and December 31, 2019 the amount availed against the loans granted by the Group&amp;#8217;s entities to the members of Senior Management (excluding the executive directors) amounted to &amp;#8364;4,510 and &amp;#8364;4,414 thousand, respectively. As&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; of June 30, 2020 there were no loans granted by the Group&amp;#8217;s entities to parties related to members of the Senior Management, and, as of December 31, 2019, the amount availed against the loans granted to parties related to members of the Senior Management &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;amounted to &amp;#8364;57 thousand&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:10pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;As of June 30, 2020, and December 31, 2019, 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:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;As of June 30, 2020 and December 31, 2019, the amount availed against guarantees arranged with members of the Seni&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;or Management amounted to &amp;#8364;10 thousand, respectively.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;June 30, 2020 and December 31, 2019 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 Manageme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nt amounted to &amp;#8364;25 thousand, respectively. &lt;/font&gt;&lt;/p&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:8pt;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 48&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:10pt;margin-bottom:10pt;line-height:13,8pt;' &gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' &gt;47.4    Transactions with other related parties&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;During the six months ended June 30,&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 2020 and the year ended December 31, 2019&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, 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 relevance; whose information is not necessary to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:Disclosureremunerationfornonexecutivedirectorsexplanatory id="ID_3114" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='11' rowspan='1' style='width:548.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:548.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Remuneration for non-executive directors (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96pt;' &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: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-bottom-style:solid;border-bottom-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-bottom-style:solid;border-bottom-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 Committee&lt;/font&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-bottom-style:solid;border-bottom-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 and Compliance Committee&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;font-weight:bold;color:#004481;' &gt;Remunerations Committee&lt;/font&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-bottom-style:solid;border-bottom-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 and Corporate Governance Committee&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;font-weight:bold;color:#004481;' &gt;Technology and Cybersecurity Committee&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;font-weight:bold;color:#004481;' &gt;Other positions (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;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Jos&amp;#233; Miguel Andr&amp;#233;s Torrecillas&lt;/font&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:center;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;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;28&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;33&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;36&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;58&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;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;244&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Jaime Caruana Lacorte&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;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;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;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Ra&amp;#250;l Galamba de Oliveira (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;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;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;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;text-align: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;174&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Sunir Kumar Kapoor&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;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;86&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;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;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;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;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;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;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Ana Peralta Moreno&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;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;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Juan Pi Llorens&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;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;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;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;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Ana Revenga Shanklin (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Susana Rodr&amp;#237;guez Vidarte&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Carlos Salazar Lomel&amp;#237;n (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Jan Verplancke&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;93&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total (3)&lt;/font&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;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;278&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;215&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &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:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;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;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1,930&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureremunerationfornonexecutivedirectorsexplanatory>
  <bbva:Disclosurenumberofsharesexplanatory id="ID_3115" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:33.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Theoretical shares allocated in 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Theoretical shares accumulated as of June 30, 2020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;75,912&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Jaime Caruana Lacorte&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,067&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,387&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62,126&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,609&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,929&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,245&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108,568&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Ana Peralta Moreno&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,665&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,676&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;92,817&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,724&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;141,138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Jan Verplancke&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;145,590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;607,849&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosurenumberofsharesexplanatory>
  <bbva:Disclosureremunerationofexecutivedirectorsexplanatory id="ID_3116" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:380.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:380.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' &gt;Fixed remuneration (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:313.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:313.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:313.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Chairman&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,227&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:313.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Chief Executive Officer (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,090&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:313.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:313.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,316&lt;/font&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:22.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' &gt;Variable remuneration corresponding to previous financial years (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:250.5pt;text-align:right;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 colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In cash&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In shares&lt;/font&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:15.75pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Chairman&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,292&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;215,628&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Chief Executive Officer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;144,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,067&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;360,206&lt;/font&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='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Executive directors (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:133.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Contributions&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt; (1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Accumulated funds&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;Retirement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;Death and disability&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &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;Chairman&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,353&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &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;Chief Executive Officer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21,353&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureremunerationofexecutivedirectorsexplanatory>
  <bbva:Disclosureremunerationformembersoftheseniormanagementexplanatory id="ID_3117" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180">&lt;div&gt;&lt;table style='border-collapse:collapse;' &gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:380.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:380.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fixed remuneration (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:313.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:313.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:313.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,444&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;table style='border-collapse:collapse;' &gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Variable remuneration corresponding to previous financial years (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:250.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In cash &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;(1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In shares &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;465,709&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;table style='border-collapse:collapse;' &gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Senior Management (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:133.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Contributions&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt; (1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Accumulated funds&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;Retirement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;Death and disability&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &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;Senior Management total*&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,487&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;517&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,613&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureremunerationformembersoftheseniormanagementexplanatory>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3118" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_BoardofdirectorsMember_bbva_NameaxisAxis_bbva_JosemiguelandrestorrecillasMember" unitRef="EUR" decimals="INF">64000</ifrs-full:KeyManagementPersonnelCompensation>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3119" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_ExecutiecommitteeMember_bbva_NameaxisAxis_bbva_JosemiguelandrestorrecillasMember" unitRef="EUR" decimals="INF">28000</ifrs-full:KeyManagementPersonnelCompensation>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3120" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_BoardofdirectorsMember_bbva_NameaxisAxis_bbva_JaimefelixcaruanalacorteMember" unitRef="EUR" decimals="INF">64000</ifrs-full:KeyManagementPersonnelCompensation>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3121" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_ExecutiecommitteeMember_bbva_NameaxisAxis_bbva_JaimefelixcaruanalacorteMember" unitRef="EUR" decimals="INF">83000</ifrs-full:KeyManagementPersonnelCompensation>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3122" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_BoardofdirectorsMember_bbva_NameaxisAxis_bbva_RaulgalambadeoliveiraMember" unitRef="EUR" decimals="INF">43000</ifrs-full:KeyManagementPersonnelCompensation>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3123" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_ExecutiecommitteeMember_bbva_NameaxisAxis_bbva_RaulgalambadeoliveiraMember" unitRef="EUR" decimals="INF">0</ifrs-full:KeyManagementPersonnelCompensation>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3124" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_BoardofdirectorsMember_bbva_NameaxisAxis_bbva_BelengarijolopezMember" unitRef="EUR" decimals="INF">64000</ifrs-full:KeyManagementPersonnelCompensation>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3125" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_ExecutiecommitteeMember_bbva_NameaxisAxis_bbva_BelengarijolopezMember" unitRef="EUR" decimals="INF">0</ifrs-full:KeyManagementPersonnelCompensation>
  <ifrs-full:KeyManagementPersonnelCompensation id="ID_3126" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_CommitteeconceptaxisAxis_bbva_BoardofdirectorsMember_bbva_NameaxisAxis_bbva_SunirkumarkapoorMember" unitRef="EUR" decimals="INF">64000</ifrs-full:KeyManagementPersonnelCompensation>
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  <bbva:Fundsaccumulated id="ID_3274" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_PensioncommitmentsaxisAxis_bbva_ManagingdirectorMember" unitRef="EUR" decimals="INF">0</bbva:Fundsaccumulated>
  <ifrs-full:EmployerContributions id="ID_3275" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_PensioncommitmentsaxisAxis_bbva_TotalMember_bbva_TypeofretirementAxis_bbva_RetirementMember" unitRef="EUR" decimals="INF">836000</ifrs-full:EmployerContributions>
  <ifrs-full:EmployerContributions id="ID_3276" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_PensioncommitmentsaxisAxis_bbva_TotalMember_bbva_TypeofretirementAxis_bbva_DemiseordisabilityMember" unitRef="EUR" decimals="INF">315000</ifrs-full:EmployerContributions>
  <bbva:Fundsaccumulated id="ID_3277" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_PensioncommitmentsaxisAxis_bbva_TotalMember" unitRef="EUR" decimals="INF">21353000</bbva:Fundsaccumulated>
  <bbva:Fixedremuneration id="ID_3278" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_GroupexecutivechairmanMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember" unitRef="EUR" decimals="INF">1227000</bbva:Fixedremuneration>
  <bbva:Fixedremuneration id="ID_3279" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_CeoMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember" unitRef="EUR" decimals="INF">1090000</bbva:Fixedremuneration>
  <bbva:Fixedremuneration id="ID_3280" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_TotalMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember" unitRef="EUR" decimals="INF">2316000</bbva:Fixedremuneration>
  <bbva:Variableremuneration id="ID_3281" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_GroupexecutivechairmanMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember_bbva_TypeofremunerationaxisAxis_bbva_IncashMember" unitRef="EUR" decimals="INF">1292000</bbva:Variableremuneration>
  <bbva:Variableremuneration id="ID_3282" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_CeoMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember_bbva_TypeofremunerationaxisAxis_bbva_IncashMember" unitRef="EUR" decimals="INF">775000</bbva:Variableremuneration>
  <bbva:Variableremuneration id="ID_3283" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_TotalMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember_bbva_TypeofremunerationaxisAxis_bbva_IncashMember" unitRef="EUR" decimals="INF">2067000</bbva:Variableremuneration>
  <bbva:Vaqriableremunerationinshares id="ID_3284" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_GroupexecutivechairmanMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember_bbva_TypeofremunerationaxisAxis_bbva_InsharesMember" unitRef="shares" decimals="INF">215628</bbva:Vaqriableremunerationinshares>
  <bbva:Vaqriableremunerationinshares id="ID_3285" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_CeoMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember_bbva_TypeofremunerationaxisAxis_bbva_InsharesMember" unitRef="shares" decimals="INF">144578</bbva:Vaqriableremunerationinshares>
  <bbva:Vaqriableremunerationinshares id="ID_3286" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_TotalMember_bbva_TypeofcomiteeconceptAxis_bbva_ExecutivedirectorsMember_bbva_TypeofremunerationaxisAxis_bbva_InsharesMember" unitRef="shares" decimals="INF">360206</bbva:Vaqriableremunerationinshares>
  <bbva:Fixedremuneration id="ID_3287" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_TotalSeniorManagementMember_bbva_TypeofcomiteeconceptAxis_bbva_MembersoftheseniormanagementMember" unitRef="EUR" decimals="INF">7444000</bbva:Fixedremuneration>
  <bbva:Variableremuneration id="ID_3288" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_TotalSeniorManagementMember_bbva_TypeofcomiteeconceptAxis_bbva_MembersoftheseniormanagementMember_bbva_TypeofremunerationaxisAxis_bbva_IncashMember" unitRef="EUR" decimals="INF">2832000</bbva:Variableremuneration>
  <bbva:Vaqriableremunerationinshares id="ID_3289" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_RemunerationandotherbenefitsreceivedAxis_bbva_TotalSeniorManagementMember_bbva_TypeofcomiteeconceptAxis_bbva_MembersoftheseniormanagementMember_bbva_TypeofremunerationaxisAxis_bbva_InsharesMember" unitRef="shares" decimals="INF">465709</bbva:Vaqriableremunerationinshares>
  <ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory id="ID_3290" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;48.    Re&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;muneration and other benefits for&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt; the Board of Directors and member&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt;s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' &gt; of the Bank&amp;#8217;s Senior Management&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12.85pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;Note 54 of the Notes to the BBVA Group&amp;#39;s Consolidated Annual Financial Statements, corresponding to the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;financial year ending December 31, 2019, details the remuneration and other benefits corresponding to the members of the Board of Directors and of the Bank&amp;#39;s Senior Management, including the description of the applicable policies and remuneration systems, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;and information regarding the conditions to receive remuneration and other benefits. &lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12.85pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The Bank&amp;#39;s General Shareholders&amp;#39; Meeting held on 15 March 2019 approved the Remuneration Policy for BBVA Directors applicable in the 2019, 2020 and 2021 financial years.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12.85pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;On the basis of said policies and remuneration systems, information regarding the remuneration and other benefits for the members of the Board of Directors and for Senior Management corresponding to the period between the start of the financial year and Ju&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ne 30, 2020 is shown 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;font-weight:bold;margin-left:0pt;color:#002060;' &gt;Remuneration of non-executive directors&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The remuneration paid to non-executive &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;directors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; during the first &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;half&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2020 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;financial year is itemized per director below&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:15pt;' &gt;&lt;td colspan='11' rowspan='1' style='width:548.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:548.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Remuneration for non-executive directors (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96pt;' &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: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-bottom-style:solid;border-bottom-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-bottom-style:solid;border-bottom-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 Committee&lt;/font&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-bottom-style:solid;border-bottom-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 and Compliance Committee&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;font-weight:bold;color:#004481;' &gt;Remunerations Committee&lt;/font&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-bottom-style:solid;border-bottom-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 and Corporate Governance Committee&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;font-weight:bold;color:#004481;' &gt;Technology and Cybersecurity Committee&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;font-weight:bold;color:#004481;' &gt;Other positions (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;font-weight:bold;color:#004481;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:18pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Jos&amp;#233; Miguel Andr&amp;#233;s Torrecillas&lt;/font&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:center;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;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;28&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;33&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;36&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;58&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;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;244&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Jaime Caruana Lacorte&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;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;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;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Ra&amp;#250;l Galamba de Oliveira (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;11&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;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;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;54&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;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;text-align: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;174&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Sunir Kumar Kapoor&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;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;86&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;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;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;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;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;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;64&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;171&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Ana Peralta Moreno&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;33&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;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;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Juan Pi Llorens&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;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;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;40&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;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;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Ana Revenga Shanklin (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;18&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Susana Rodr&amp;#237;guez Vidarte&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;23&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;224&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Carlos Salazar Lomel&amp;#237;n (2)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;color:#000000;' &gt;32&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;color:#000000;' &gt;Jan Verplancke&lt;/font&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;text-align:center;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;td style='width:50.25pt;text-align: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;7&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align: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;93&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:96pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;Total (3)&lt;/font&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;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;278&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;215&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &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:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;111&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;150&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;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;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;65&lt;/font&gt;&lt;/td&gt;&lt;td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' &gt;1,930&lt;/font&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:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(1)    Amounts received during the first &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;half&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; of 2020 by Jos&amp;#233; Miguel Andr&amp;#233;s Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by Juan Pi Llorens, in his capacity as Lead Director.&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:6pt;margin-left:0pt;' &gt;(2&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;)    &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Directors appointed by the General Meeting &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;held on 13 March 2020. Remunerations paid based on the date on which the position was accepted.&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:6pt;margin-left:0pt;' &gt;(&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;3)    Including &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;the amounts corresponding to the position&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;s&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;member of the Board and of the various committees during the first &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;half&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;2020 financial&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; year&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;The composition of these committees was amended by agreement of the Board of Directors &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;dated 29 April&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; 2020&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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:6pt;margin-left:0pt;' &gt;In addition, Tom&amp;#225;s Alfaro Drake and Carlos Loring Mart&amp;#237;nez de Irujo, who left their roles as directors on 13 March 2020, received a total of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;54 thousand and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;111 thousand, respectively, for their membership of the Board and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;to &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;the various Board Comm&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;ittees during the first &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;quarter of the financial year.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Likewise, during the first half of the 2020 financial year&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;&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;109 thousand &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;was&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; paid &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;in&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; healthcare and&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; casualty insurance premiums &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;to non-executive directors&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:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#002060;' &gt;Remuneration &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt;of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt; executive directors&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The remuneration paid to non-executive directors during the first half of the 2020 financial year is itemized per director 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:22.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:380.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:380.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' &gt;Fixed remuneration (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:313.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:313.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:313.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Chairman&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,227&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:313.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Chief Executive Officer (1)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,090&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:313.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:313.5pt;' &gt;&lt;font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,316&lt;/font&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:6pt;margin-left:0pt;' &gt; (1&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;) In &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;addition, in accordance with the current Remuneration Policy for BBVA Directors, during the first half of the 2020 financial year, the Chief Executive Officer received &amp;#8364;327 thousand as cash in lieu of pension and &amp;#8364;300 thousand as a mobility&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; allowance&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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:22.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' &gt;Variable remuneration corresponding to previous financial years (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:250.5pt;text-align:right;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 colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In cash&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In shares&lt;/font&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:15.75pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Chairman&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,292&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;215,628&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Chief Executive Officer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;144,578&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,067&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;360,206&lt;/font&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:6pt;margin-left:0pt;' &gt;(1) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Remuneration corresponding to the upfront portion (40%) of the Annual Variable Remuneration (AVR) for the 2019 financial year and to the deferred AVR for the 2016 financial year to be paid in 2020, along with its up&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;date in cash. The deferred AVR for the 2016 financial year of the Chairman and the Chief Executive Officer is associated with their previous roles as Chief Executive Officer and President &amp;amp; CEO of BBVA Compass (now BBVA USA), respectively.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Moreover, in the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; first half of the 2020 financial year, remuneration in kind was paid to executive directors, including insurance premiums and other items, for a total amount of &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;333 thousand, of which &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;204 thousand correspond to the Chairman and &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;129 thousand to the Chie&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;f Executive Officer.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As Head of Global Economics &amp;amp; Public Affairs (Head of GE&amp;amp;PA), former executive director Jos&amp;#233; Manuel Gonz&amp;#225;lez P&amp;#225;ramo Mart&amp;#237;nez-Murillo, who left his role of direct&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;or on 13 March 2020, received&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;&amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;168 thousand in fixed remuneration; &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;174 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;thousand and 28,353 BBVA shares, corresponding to 40% of the AVR for the 2019 financial year and the deferred portion of the AVR for the 2016 financial year, payment of which was due in the 2020 financial year, including the corresponding cash update; as w&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ell as &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;33 thousand in remuneration in kind.&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;font-weight:bold;margin-left:0pt;color:#002060;' &gt;Remuneration &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt;of members of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt; Senior Management&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt; (*)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt; &lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The remuneration paid to the Senior Management as a whole during the first &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;half&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;20&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;20 financial year&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;, excluding executive directors, is &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;itemized&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; 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:22.5pt;' &gt;&lt;td colspan='2' rowspan='1' style='width:380.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:380.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Fixed remuneration (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:313.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:313.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:313.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,444&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;table style='border-collapse:collapse;' &gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Variable remuneration corresponding to previous financial years (1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td colspan='1' rowspan='2' style='width:250.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In cash &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;(1)&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;(thousands of euro)&lt;/font&gt;&lt;/td&gt;&lt;td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In shares &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;(1)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15.75pt;' &gt;&lt;td&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Senior Management total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,832&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;465,709&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:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(1) Remuneration corresponding to the upfront portion (40%) of the A&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;VR for the 2019 financial year &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;and, in the case of members who were beneficiaries, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;to the deferred AVR for the 2016 financial year to be paid in 2020, along with its update in cash. For those members of Senior Management appointed by the Board of Directors &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;during the 2019&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; financial year, the remuneration included relates to their previou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;s positions.&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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:6pt;margin-left:0pt;' &gt;(*) 15 members with such status as of June 30, 2020, excluding executive directors&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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:8pt;margin-left:0pt;' &gt;Furthermore, during the first half of the 2020 financial year, remuneration in kind &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;was&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; paid in favor of Senior Management as a whole, excluding executive directors, which included insurance premiums and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;other&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; it&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ems, for a total amount of &amp;#8364;&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;678 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:9pt;font-weight:bold;margin-left:0pt;color:#002060;' &gt;Remuneration system with deferred delivery of shares for non-executive 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:8pt;margin-left:0pt;' &gt;During t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he first half of the 2020 financial year, the following theoretical shares were allocated, derived from the remuneration system with deferred delivery of shares for non-executive directors, equivalent to 20% of the total remuneration in cash received by ea&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ch director in 2019:&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:33.75pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Theoretical shares allocated in 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Theoretical shares accumulated as of June 30, 2020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,252&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;75,912&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Jaime Caruana Lacorte&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,067&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;31,387&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;62,126&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,915&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,609&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;44,929&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,245&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;108,568&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Ana Peralta Moreno&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,665&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,676&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;92,817&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;18,724&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;141,138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Jan Verplancke&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,392&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;145,590&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;607,849&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:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(1) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Furthermore, 8,984 theoretical shares were assigned to Tom&amp;#225;s Alfaro Drake and 18,655 theoretical shares were assigned Carlos Loring Mart&amp;#237;nez de Irujo, who left their roles as directors on 13 March 2020. &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;After leaving their roles, both directors received a number of BBVA shares equivalent to the total number of theoretical shares that each of them had accumulated to date (102,571 and 135,046 BBVA shares, respectively) in application of the system.&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;font-weight:bold;margin-left:0pt;color:#002060;' &gt;Pension &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt;commitments with &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt;executive &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt;directors and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt;members of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' &gt;Senior Management&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='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Executive directors (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:133.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Contributions&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt; (1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Accumulated funds&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;Retirement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;Death and disability&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &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;Chairman&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;189&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;21,353&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &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;Chief Executive Officer&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;126&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total&lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;color:#000000;' &gt; &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;836&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;21,353&lt;/font&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:6pt;margin-left:0pt;' &gt;(1) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Contributions registered to fulfil the proportion of pension commitments undertaken with the executive directors corresponding to the first half of the 2020 &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;financial year. In the case of the Chairman, these correspond to the sum of the annual contribution to cover retirement benefits and the adjustment made to the discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial y&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;ear once the AVR for the year 2019 had been determined and to the death and disability premiums. For the Chief Executive Officer, the contributions registered correspond exclusively to the proportion of the premiums for death and disability given that, in &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;his case, no commitments were made for the retirement benefit.&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:8pt;margin-left:0pt;' &gt;In the case of the head of GE&amp;amp;PA, &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;89 thousand was registered in contributions to fulfil the pension commitments undertaken in proportion to the time spent in office during the first half of th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;e 2020 financial year. This corresponds to the sum of the annual contribution to cover retirement benefits and the adjustment made to the discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial year once the AVR for t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he year 2019 (&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;52 thousand) had been determined and to the death and disability premiums (&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;37 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:8pt;margin-left:0pt;' &gt;As of the date on which he left his position, the total accumulated fund to meet the retirement commitments for the former head of GE&amp;amp;PA was &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;1,404 tho&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;usand, with no further contributions to be made by the Bank from that point on.&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='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Senior Management (thousands of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:133.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Contributions&lt;/font&gt;&lt;sup&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt; (1)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;Accumulated funds&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;Retirement&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#004481;' &gt;Death and disability&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &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;Senior Management total*&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,487&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;517&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;20,613&lt;/font&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:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(1) &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;Contributions registered to fulfil the proportion of pension commitments undertaken with the Senior Management as a whole for the first half of the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; 2020 financial year corresponding to the sum of the annual contributions to cover retirement benefits and the adjustments to discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial year once the AVR for the year 2019&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; had been determined, and to the&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt; death and disability premiums.&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:6pt;margin-left:0pt;' &gt;(*) 15 members with such status as of June 30, 2020, excluding executive 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:9pt;font-weight:bold;margin-left:0pt;color:#002060;' &gt;Payments for the termination of the contractual relationship&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:8pt;margin-left:0pt;' &gt;In accordance with the Remuneration Policy for &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;BBVA Directors, 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:10pt;margin-bottom:10pt;line-height:12pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;The contractual framework defined for the executive directors, in accordance with the Remuneration Policy for BBVA Directors, establishes a post-contractual non-c&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ompete agreement for executive directors, effective for a period of two (2) years after they cease as BBVA executive directors, provided that they do not leave due to retirement, disability or serious dereliction of duties. In compensation for this agreeme&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;nt, the Bank shall award them remuneration to an amount equivalent to one Annual Fixed Remuneration per year of duration, which will be paid monthly over the course of the two-year duration of the non-compete agreement.&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:8pt;margin-left:0pt;' &gt;Accordingly, the executive director &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Head of GE&amp;amp;PA, who left his role on 13 March 2020, received &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;249 thousand during the first half of 2020.&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:8pt;margin-left:0pt;' &gt;With regard to the Senior Management team, excluding executive directors, during the first half of the 2020 financial year, the Bank has paid out a tot&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;al of &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;2,185 thousand, resulting from the termination of the contractual relationship with one member of Senior Management and in fulfilment of the provisions of their contract (for the payment of legal indemnity and notice). In addition, the contract esta&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;blishes a non-competition clause, effective for a period of one (1) year after they leave their role as a senior manager of BBVA, provided that they do not leave due to retirement, disability or serious dereliction of duties. In compensation for this agree&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ment, the member of senior management received a total of &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;408 thousand during the first half of 2020.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;</ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3291" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aaa1Member" unitRef="pure" decimals="INF">0.144</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3292" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aa1Member" unitRef="pure" decimals="INF">0.012</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3293" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA2Member" unitRef="pure" decimals="INF">0.004</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3294" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA3Member" unitRef="pure" decimals="INF">0.009</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3295" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AMember" unitRef="pure" decimals="INF">0.056</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3296" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A1Member" unitRef="pure" decimals="INF">0.032</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3297" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A2Member" unitRef="pure" decimals="INF">0.456</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3298" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb4Member" unitRef="pure" decimals="INF">0.109</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3299" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb5Member" unitRef="pure" decimals="INF">0.046</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3300" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb3Member" unitRef="pure" decimals="INF">0.054</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3301" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_BbMember" unitRef="pure" decimals="INF">0.072</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3302" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_WithoutratingMember" unitRef="pure" decimals="INF">0.006</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating id="ID_3303" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_TotalexposuresMember" unitRef="pure" decimals="INF">1</bbva:Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3304" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aaa1Member" unitRef="EUR" decimals="INF">9806000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3305" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Aa1Member" unitRef="EUR" decimals="INF">834000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3306" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA2Member" unitRef="EUR" decimals="INF">300000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3307" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AA3Member" unitRef="EUR" decimals="INF">626000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3308" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_AMember" unitRef="EUR" decimals="INF">3796000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3309" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A1Member" unitRef="EUR" decimals="INF">2180000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3310" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_A2Member" unitRef="EUR" decimals="INF">31076000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3311" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb4Member" unitRef="EUR" decimals="INF">7442000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3312" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb5Member" unitRef="EUR" decimals="INF">3137000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3313" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_Bbb3Member" unitRef="EUR" decimals="INF">3691000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3314" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_BbMember" unitRef="EUR" decimals="INF">4925000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3315" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_WithoutratingMember" unitRef="EUR" decimals="INF">412000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <bbva:Subtotaldebtinstrumentsavailableforsale id="ID_3316" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LevelratingaxisAxis_bbva_TotalexposuresMember" unitRef="EUR" decimals="INF">68223000000</bbva:Subtotaldebtinstrumentsavailableforsale>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3317" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_DepreciableassetsaxisAxis_bbva_TangibleAssetsMember" unitRef="EUR" decimals="INF">456000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3318" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180_bbva_DepreciableassetsaxisAxis_bbva_TangibleAssetsMember" unitRef="EUR" decimals="INF">488000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3319" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_DepreciableassetsaxisAxis_bbva_ForownuseDepreciableAssetsMember" unitRef="EUR" decimals="INF">266000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3320" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180_bbva_DepreciableassetsaxisAxis_bbva_ForownuseDepreciableAssetsMember" unitRef="EUR" decimals="INF">294000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3321" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_DepreciableassetsaxisAxis_bbva_AssetuserightMember" unitRef="EUR" decimals="INF">188000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3322" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180_bbva_DepreciableassetsaxisAxis_bbva_AssetuserightMember" unitRef="EUR" decimals="INF">192000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3323" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180_bbva_DepreciableassetsaxisAxis_ifrs-full_OtherIntangibleAssetsMember" unitRef="EUR" decimals="INF">310000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3324" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180_bbva_DepreciableassetsaxisAxis_ifrs-full_OtherIntangibleAssetsMember" unitRef="EUR" decimals="INF">302000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3325" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">766000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense id="ID_3326" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">790000000</ifrs-full:AdjustmentsForDepreciationAndAmortisationExpense>
  <bbva:Disclosureoffinancialassetsatamortisedcost id="ID_3327" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;13.    Financial assets at amortized cost&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;13.1    Breakdown of the balance&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:12.75pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial assets at amortized cost (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:26.25pt;' &gt;&lt;td style='width:250.5pt;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:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;Debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;43,396&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;38,877&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;Loans and advances to central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;4,773&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;4,275&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;Loans and advances to credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;14,842&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;13,649&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' &gt;Loans and advances to customers&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;387,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;382,360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Government&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;27,259&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,222&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,207&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;178,598&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;166,789&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;167,820&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;176,142&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;450,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;439,162&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: impaired assets of loans and advances to customers (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;15,637&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;15,954&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: loss allowances of loans and advances (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(13,588)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(12,427)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' &gt;Of which: loss allowances of debt securities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(77)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' &gt;(52)&lt;/font&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:6pt;margin-left:0pt;' &gt;(*) See Note 6.2.&lt;/font&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;During the six months ended June 30, 2020 and the year&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;ended December 31, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;2019, 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;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;13.2    Loans and advances to customers&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;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:12.75pt;' &gt;&lt;td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Loans and advances to customers (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &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;font-weight:bold;color:#004481;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;On demand and short notice&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:9pt;color:#094FA4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,844&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,050&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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 card debt&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,283&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;16,354&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Trade receivables&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,142&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,276&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Finance leases&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,711&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Reverse repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;947&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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: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;Other term loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;342,180&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;332,160&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Advances that are not loans&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,704&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,784&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;387,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;382,360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffinancialassetsatamortisedcost>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3328" contextRef="AS_OF_Jun30_2020_Entity_0000842180" unitRef="pure" decimals="INF">0</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3329" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_CentralbanksMember" unitRef="pure" decimals="INF">0.003</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3330" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_GeneralgovernmentMember" unitRef="pure" decimals="INF">0</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3331" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_CreditinstitutionsMember" unitRef="pure" decimals="INF">0.001</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3332" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_OtherfinancialinstitutionsMember" unitRef="pure" decimals="INF">0.044</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3333" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_NonfinancialinstitutionsMember" unitRef="pure" decimals="INF">0.042</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3334" contextRef="AS_OF_Jun30_2020_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_HouseholdsMember" unitRef="pure" decimals="INF">0.037</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3335" contextRef="AS_OF_Dec31_2019_Entity_0000842180" unitRef="pure" decimals="INF">0</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3336" contextRef="AS_OF_Dec31_2019_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_CentralbanksMember" unitRef="pure" decimals="INF">0.003</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3337" contextRef="AS_OF_Dec31_2019_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_GeneralgovernmentMember" unitRef="pure" decimals="INF">0</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3338" contextRef="AS_OF_Dec31_2019_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_CreditinstitutionsMember" unitRef="pure" decimals="INF">0.002</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3339" contextRef="AS_OF_Dec31_2019_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_OtherfinancialinstitutionsMember" unitRef="pure" decimals="INF">0.049</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3340" contextRef="AS_OF_Dec31_2019_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_NonfinancialinstitutionsMember" unitRef="pure" decimals="INF">0.041</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Impairedloansasapercentageofcategorizedloans id="ID_3341" contextRef="AS_OF_Dec31_2019_Entity_0000842180_bbva_LoansandadvancesaxisAxis_bbva_HouseholdsMember" unitRef="pure" decimals="INF">0.039</bbva:Impairedloansasapercentageofcategorizedloans>
  <bbva:Disclosureoffinancialliabilitiesatamortizedcostexplanatory id="ID_3342" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;21.    Financial liabilities at amortized cost&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;21.1    Breakdown of the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' &gt;balance&lt;/font&gt;&lt;/p&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:8pt;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:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Financial liabilities measured 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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;481,207&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;438,919&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Deposits from central banks&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46,667&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;25,950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Time deposits and other (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;41,040&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;25,101&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;5,341&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;826&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Deposits from credit institutions&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;32,356&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28,751&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;9,553&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;7,161&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Time deposits and other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;19,062&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;18,896&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;3,742&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;2,693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Customer deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;402,184&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;384,219&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Demand deposits (**)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;308,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;280,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Time deposits and other &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;93,671&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;103,293&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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:#666666;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;535&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Debt certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64,421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63,963&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &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;Other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,758&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;559,713&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;516,641&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:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*)   The variation corresponds mainly to the increase in time &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;deposits of BBVA, S.A. in the &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;European Central Bank through the financing program TLTRO III&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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:6pt;margin-left:0pt;' &gt;(**)  The variation corresponds mainly to the increase in customer demand deposits in BBVA, S.A.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;21.2    Deposits from credit institutions&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown by geographical area and the nature of t&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;he 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:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Deposits from credit institutions. June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:41.25pt;' &gt;&lt;td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Time deposits &amp;amp; other(*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,017&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,466&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,483&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,990&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,238&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,228&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;354&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;557&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;84&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;995&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;192&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;493&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;28&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;713&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,779&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,205&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,965&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;5,778&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,624&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,367&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;613&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,751&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,364&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;9,553&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;19,062&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;3,742&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;32,356&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:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*) Subordinated deposits are included amounting to &amp;#8364;196 million&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:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' &gt;Deposits from credit institutions. December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:21pt;' &gt;&lt;td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Demand deposits &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Time deposits &amp;amp; other (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,113&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,218&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,082&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,295&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;432&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;168&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,634&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;302&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;617&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;924&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;394&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,285&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,358&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;194&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,374&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,568&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;7,161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;18,896&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,693&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;28,751&lt;/font&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:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*) Subordinated deposits are &lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &gt;included amounting to &amp;#8364;195 million&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;21.3    Customer deposits&lt;/font&gt;&lt;/p&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:8pt;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:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Customer deposits. June 2020 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40.5pt;' &gt;&lt;td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Time deposits &amp;amp; other&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;158,036&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,226&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;180,265&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56,222&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,498&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;75,720&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39,161&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;11,584&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;95&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;50,840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,696&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;17,522&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;203&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;35,421&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,510&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,012&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;39,522&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,644&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,062&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;943&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;411&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:15pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;308,212&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;93,671&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;301&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;402,184&lt;/font&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:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Customer deposits. December 2019 (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:40.5pt;' &gt;&lt;td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Demand deposits&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Time deposits and other (*)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Repurchase agreements&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;146,651&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;24,958&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;171,611&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;46,372&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;19,810&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;66,181&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;43,326&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,714&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;523&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;56,564&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,775&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,257&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36,042&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;22,748&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;13,913&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;36,661&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;6,610&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,749&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;909&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;892&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;-&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,801&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:15pt;' &gt;&lt;td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;280,391&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;103,293&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;535&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;384,219&lt;/font&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:6pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:6pt;margin-left:0pt;' &gt;(*) Subordinated deposits are included amounting to &amp;#8364;189 million&lt;/font&gt;&lt;font style='font-family:Arial;font-size:6pt;' &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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;21.4    Debt certificates&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the balance under this heading, by financial instruments and 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='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &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:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;In Euros&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;42,329&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;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:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;40,185&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;718&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;737&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;14,472&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;12,248&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,232&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;15,542&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;405&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,132&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,817&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,470&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;7,968&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible perpetual certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;3,500&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;5,000&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Non-convertible preferred stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;79&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;83&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other non-convertible subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;3,891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;2,885&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;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;In foreign currencies&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;22,092&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' &gt;23,778&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:13.5pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,364&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;10,587&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;279&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;362&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;656&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &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:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;512&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;780&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,218&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;9,666&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Convertible perpetual certificates&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;1,788&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;1,782&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Non- convertible preferred stock&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;53&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;76&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12.75pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;Other non-convertible subordinated liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;7,377&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#666666;' &gt;7,808&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:14.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;64,421&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;63,963&lt;/font&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:10pt;margin-bottom:10pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:0pt;' &gt;Most of &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;the foreign currency issues are denominated in U.S. dollars.&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;font-weight:bold;margin-left:0pt;color:#004580;' &gt;21.5    Other financial liabilities&lt;/font&gt;&lt;/p&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:8pt;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='3' rowspan='1' style='width:321pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:321pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &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: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;font-weight:bold;color:#0A5FB4;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Lease liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,129&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,335&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Creditors for other financial liabilities&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,887&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,623&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Collection accounts&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,532&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,306&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:12pt;' &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;Creditors for other payment obligations&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,538&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;4,494&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;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;14,085&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;13,758&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</bbva:Disclosureoffinancialliabilitiesatamortizedcostexplanatory>
  <ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory id="ID_3343" contextRef="FROM_Jan01_2020_TO_Jun30_2020_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:11pt;font-weight:bold;margin-left:0pt;color:#072146;' &gt;5.    Operating segment reporting&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Operati&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ng segment reporting represents a basic tool in the oversight and management of the BBVA Group&amp;#8217;s various activities. The BBVA Group compiles reporting information on disaggregated business activities. These business activities are then aggregated in accord&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ance with the organizational structure determined by the BBVA Group and, ultimately, into the reportable&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; operating segments themselves.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;As of June 30, 2020, the structure of the information by business se&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;gments of the BBVA Group remains&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;the same as that of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; the closing of 2019 financial year. The BBVA Group&amp;#39;s operating segments are summarized below:&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='line-height:20pt;' /&gt;&lt;div&gt;&lt;p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Spain&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;/div&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' &gt;I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ncludes mainly the banking and insurance business that the Group carries ou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;t in Spain.&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;The United States&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' &gt;I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ncludes the business activity of BBVA USA and th&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;e activity of the branch of BBVA Spain in New York.&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Mexico&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' &gt;I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ncludes banking and insurance businesses in this country as well as the acti&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;vity of BBVA Mexico in Houston.&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Turkey&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' &gt;R&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;eports the activity of Garanti BBVA group that is mainly carried out in this cou&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ntry and, to a lesser extent, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;in Romania and the Netherlands.&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;South America&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' &gt;Primari&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ly &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;includes &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;the Group&amp;#180;s banking and insurance businesses in the region.&lt;/font&gt;&lt;/p&gt;&lt;p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' &gt;&lt;span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' &gt;&amp;#61623;&lt;/span&gt;&lt;span style='text-indent:5pt;margin-left:5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;Rest of Eurasia&lt;/font&gt;&lt;/span&gt;&lt;/p&gt;&lt;p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' &gt;I&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;ncludes the banking business activity carried out by the Group in Asia and Europe, &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;excluding Spain.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;Corporate Center performs centralized Group functions, including: the costs of the head offices with a corporate function&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; management of str&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;uctural exchange rate positions&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;and &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;some equity&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; instruments issuances to support&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; an adequate manage&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt;ment of the Group&amp;#39;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&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; assets.&lt;/font&gt;&lt;/p&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:8pt;margin-left:0pt;' &gt;The breakdown of the BBVA Group&amp;#8217;s total assets by operating segments as of June 30, 2020 and December 31, 2019, 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:11.25pt;' &gt;&lt;td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Total assets by operating segments (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:22.5pt;' &gt;&lt;td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;December 2019&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Spain&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;419,475&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;365,380&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;101,118&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;88,529&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Mexico&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;103,671&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;109,079&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Turkey &lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;63,525&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;64,416&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;57,891&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;54,996&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &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:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;26,805&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;23,257&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Subtotal assets by operating segments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;772,485&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;705,656&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Corporate Center and adjustments&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(18,661)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;(6,967)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Total assets BBVA Group&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;753,824&lt;/font&gt;&lt;/td&gt;&lt;td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;698,690&lt;/font&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:8pt;margin-left:0pt;' &gt;The following&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;' &gt; table sets forth certain summarized information relating to the income of each operating segment and Corporate Center for the six months ended June 30, 2020 and 2019&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:11.25pt;' &gt;&lt;td colspan='9' rowspan='1' style='width:491.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:491.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#02A5A5;' &gt;Main margins and profit by operating segments (Millions of Euros)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;&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:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;td colspan='6' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:279pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Operating segments&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:8pt;color:#000000;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:33.75pt;' &gt;&lt;td style='width:119.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:119.25pt;' &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:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;BBVA Group&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:8pt;font-weight:bold;color:#072146;' &gt;Spain&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:8pt;font-weight:bold;color:#072146;' &gt;The United &lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;States&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:8pt;font-weight:bold;color:#072146;' &gt;Mexico&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:8pt;font-weight:bold;color:#072146;' &gt;Turkey&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:8pt;font-weight:bold;color:#072146;' &gt;South America&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:8pt;font-weight:bold;color:#072146;' &gt;Rest&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;of&lt;/font&gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;Eurasia&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:8pt;font-weight:bold;color:#072146;' &gt;Corporate Center&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2020&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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Net interest income&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,653&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:Black;min-width:46.5pt;' &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:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &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:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;2,717&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,534&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,443&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;102&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:Black;min-width:46.5pt;' &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:11.25pt;' &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:8pt;color:#000000;' &gt;Gross income&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:8pt;color:#000000;' &gt;12,045&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:8pt;color:#000000;' &gt;2,900&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:8pt;color:#000000;' &gt;1,607&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:8pt;color:#000000;' &gt;3,550&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:8pt;color:#000000;' &gt;1,957&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:8pt;color:#000000;' &gt;1,664&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:8pt;color:#000000;' &gt;268&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:8pt;color:#000000;' &gt;98&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Operating income&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:8pt;color:#000000;' &gt;6,533&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:8pt;color:#000000;' &gt;1,371&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:8pt;color:#000000;' &gt;648&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:8pt;color:#000000;' &gt;2,349&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:8pt;color:#000000;' &gt;1,394&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:8pt;color:#000000;' &gt;945&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:8pt;color:#000000;' &gt;131&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:8pt;color:#000000;' &gt;(307)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Profit/(loss) before tax&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:8pt;color:#000000;' &gt;(368)&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:8pt;color:#000000;' &gt;124&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:8pt;color:#000000;' &gt;15&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:8pt;color:#000000;' &gt;891&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:8pt;color:#000000;' &gt;715&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:8pt;color:#000000;' &gt;297&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:8pt;color:#000000;' &gt;89&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:8pt;color:#000000;' &gt;(2,500)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Net attributable profit (loss)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(1,157)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;88&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;654&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;266&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;66&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(2,416)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' &gt;June 2019&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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &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:8pt;font-weight:bold;color:#072146;' &gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Net interest income&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;8,941&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,763&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,217&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;3,042&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,353&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;1,613&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:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;85&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:Black;min-width:46.5pt;' &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:11.25pt;' &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:8pt;color:#000000;' &gt;Gross income&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:8pt;color:#000000;' &gt;11,944&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:8pt;color:#000000;' &gt;2,773&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:8pt;color:#000000;' &gt;1,615&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:8pt;color:#000000;' &gt;3,901&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:8pt;color:#000000;' &gt;1,677&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:8pt;color:#000000;' &gt;1,994&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:8pt;color:#000000;' &gt;220&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: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:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;color:#000000;' &gt;Operating income&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:8pt;color:#000000;' &gt;6,069&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:8pt;color:#000000;' &gt;1,145&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:8pt;color:#000000;' &gt;655&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:8pt;color:#000000;' &gt;2,611&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:8pt;color:#000000;' &gt;1,084&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:8pt;color:#000000;' &gt;1,215&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:8pt;color:#000000;' &gt;78&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:8pt;color:#000000;' &gt;(718)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &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:8pt;color:#000000;' &gt;Profit/(loss) before tax&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:8pt;color:#000000;' &gt;4,052&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:8pt;color:#000000;' &gt;1,027&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:8pt;color:#000000;' &gt;363&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:8pt;color:#000000;' &gt;1,783&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:8pt;color:#000000;' &gt;726&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:8pt;color:#000000;' &gt;847&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:8pt;color:#000000;' &gt;69&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:8pt;color:#000000;' &gt;(762)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style='height:11.25pt;' &gt;&lt;td style='width:119.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:119.25pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;Net attributable profit (loss)&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;2,442&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;1,287&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;282&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;404&lt;/font&gt;&lt;/td&gt;&lt;td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &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:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' &gt;&lt;font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' &gt;(616)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory>
  <ifrs-full:CashFlowsFromUsedInOperatingActivities id="ID_3344" contextRef="FROM_Jan01_2020_TO_Jun30_2020_Entity_0000842180" unitRef="EUR" decimals="INF">27354230844.7255</ifrs-full:CashFlowsFromUsedInOperatingActivities>
  <ifrs-full:CashFlowsFromUsedInOperatingActivities id="ID_3345" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">-14120384000</ifrs-full:CashFlowsFromUsedInOperatingActivities>
  <bbva:InterestExpensesBenefitCommitments id="ID_3346" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">38000000</bbva:InterestExpensesBenefitCommitments>
  <bbva:PersonelExpensesBenefitCommitments id="ID_3347" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">79000000</bbva:PersonelExpensesBenefitCommitments>
  <ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset id="ID_3348" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">55000000</ifrs-full:ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset>
  <bbva:PostEmploymentsBenefitExpenseDefinedBenefitPlans id="ID_3349" contextRef="FROM_Jan01_2019_TO_Jun30_2019_Entity_0000842180" unitRef="EUR" decimals="INF">24000000</bbva:PostEmploymentsBenefitExpenseDefinedBenefitPlans>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(**)    </font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(****)  </font>
          <font style="font-family:Arial;font-size:6pt;">The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation (PPA) and were originated mainly in the acquisition of Catalunya Banc S.A. (as of June 30, 2020, the remaining balance was &#8364;399 million). These valuation adjustments are recognized in the </font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)</font>
          <font style="font-family:Arial;font-size:6pt;"> Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the period as a result of mortgage foreclosures and real estate assets received in lieu of payment as well as monetary recoveries.</font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   The variation corresponds mainly to the increase in cash held at the Bank of Spain.</font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   The variation corresponds mainly to foreign exchange derivatives in BBVA S.A.</font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)</font>
          <font style="font-family:Arial;font-size:6pt;">The variation corresponds mainly to the increase in financial assets issued by governments in BBVA, S.A</font>
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    <link:loc xlink:type="locator" xlink:href="#ID_327" xlink:label="loc_ID_327_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_327_0" xlink:to="lbl_footnote_9"></link:footnoteArc>
    <link:footnote id="FN_9" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_9">
      <div>
        <p style="text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) See Note 6.2.</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_328" xlink:label="loc_ID_328_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_328_0" xlink:to="lbl_footnote_9"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_329" xlink:label="loc_ID_329_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="3" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_329_0" xlink:to="lbl_footnote_9"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_330" xlink:label="loc_ID_330_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="4" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_330_0" xlink:to="lbl_footnote_9"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_1243" xlink:label="loc_ID_1243_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_1243_0" xlink:to="lbl_footnote_10"></link:footnoteArc>
    <link:footnote id="FN_10" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_10">
      <div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   Based on historical changes, the use of 50 basis points to calculate the</font>
          <font style="font-family:Arial;font-size:6pt;"> sensitivity analysis would be a reasonable variation with respect to the observed variations over the last five years</font>
          <font style="font-family:Arial;font-size:8pt;">.</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_1244" xlink:label="loc_ID_1244_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_1244_0" xlink:to="lbl_footnote_10"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_1245" xlink:label="loc_ID_1245_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="3" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_1245_0" xlink:to="lbl_footnote_10"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_1246" xlink:label="loc_ID_1246_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="4" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_1246_0" xlink:to="lbl_footnote_10"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_475" xlink:label="loc_ID_475_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_475_0" xlink:to="lbl_footnote_11"></link:footnoteArc>
    <link:footnote id="FN_11" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_11">
      <div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)       </font>
          <font style="font-family:Arial;font-size:6pt;">It includes mainly BBVA&#8217;s stake in BBVA Paraguay (see Note 3).</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_476" xlink:label="loc_ID_476_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_476_0" xlink:to="lbl_footnote_11"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_477" xlink:label="loc_ID_477_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_477_0" xlink:to="lbl_footnote_12"></link:footnoteArc>
    <link:footnote id="FN_12" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_12">
      <div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(**)     </font>
          <font style="font-family:Arial;font-size:6pt;">It includes mainly the agreement for the alliance with Allianz, </font>
          <font style="font-family:Arial;font-size:6pt;">Compa&#241;&#237;a de Seguros y Reaseguros, S.A (see Note 3).</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_478" xlink:label="loc_ID_478_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_478_0" xlink:to="lbl_footnote_12"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_479" xlink:label="loc_ID_479_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_479_0" xlink:to="lbl_footnote_13"></link:footnoteArc>
    <link:footnote id="FN_13" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_13">
      <div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(***)   </font>
          <font style="font-family:Arial;font-size:6pt;">Accumulated amortization until related asset was reclassified as &#8220;Non-current assets and disposal groups held for sale&#8221;.</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_480" xlink:label="loc_ID_480_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_480_0" xlink:to="lbl_footnote_13"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_651" xlink:label="loc_ID_651_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_651_0" xlink:to="lbl_footnote_14"></link:footnoteArc>
    <link:footnote id="FN_14" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_14">
      <div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   The variation corresponds mainly to the increase in time </font>
          <font style="font-family:Arial;font-size:6pt;">deposits of BBVA, S.A. in the </font>
          <font style="font-family:Arial;font-size:6pt;">European Central Bank through the financing program TLTRO III</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_652" xlink:label="loc_ID_652_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_652_0" xlink:to="lbl_footnote_14"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_665" xlink:label="loc_ID_665_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_665_0" xlink:to="lbl_footnote_15"></link:footnoteArc>
    <link:footnote id="FN_15" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_15">
      <div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(**)  The variation corresponds mainly to the increase in customer demand deposits in BBVA, S.A.</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_666" xlink:label="loc_ID_666_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_666_0" xlink:to="lbl_footnote_15"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_678" xlink:label="loc_ID_678_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_678_0" xlink:to="lbl_footnote_16"></link:footnoteArc>
    <link:footnote id="FN_16" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_16">
      <div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Subordinated deposits are included amounting to &#8364;196 million</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_682" xlink:label="loc_ID_682_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_682_0" xlink:to="lbl_footnote_16"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_686" xlink:label="loc_ID_686_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="3" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_686_0" xlink:to="lbl_footnote_16"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_690" xlink:label="loc_ID_690_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="4" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_690_0" xlink:to="lbl_footnote_16"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_694" xlink:label="loc_ID_694_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="5" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_694_0" xlink:to="lbl_footnote_16"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_698" xlink:label="loc_ID_698_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="6" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_698_0" xlink:to="lbl_footnote_16"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_702" xlink:label="loc_ID_702_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="7" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_702_0" xlink:to="lbl_footnote_16"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_706" xlink:label="loc_ID_706_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="8" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_706_0" xlink:to="lbl_footnote_16"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_710" xlink:label="loc_ID_710_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_710_0" xlink:to="lbl_footnote_17"></link:footnoteArc>
    <link:footnote id="FN_17" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_17">
      <div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Subordinated deposits are </font>
          <font style="font-family:Arial;font-size:6pt;">included amounting to &#8364;195 million</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_714" xlink:label="loc_ID_714_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_714_0" xlink:to="lbl_footnote_17"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_718" xlink:label="loc_ID_718_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="3" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_718_0" xlink:to="lbl_footnote_17"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_722" xlink:label="loc_ID_722_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="4" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_722_0" xlink:to="lbl_footnote_17"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_726" xlink:label="loc_ID_726_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="5" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_726_0" xlink:to="lbl_footnote_17"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_730" xlink:label="loc_ID_730_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="6" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_730_0" xlink:to="lbl_footnote_17"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_734" xlink:label="loc_ID_734_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="7" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_734_0" xlink:to="lbl_footnote_17"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_738" xlink:label="loc_ID_738_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="8" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_738_0" xlink:to="lbl_footnote_17"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_774" xlink:label="loc_ID_774_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_774_0" xlink:to="lbl_footnote_18"></link:footnoteArc>
    <link:footnote id="FN_18" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_18">
      <div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Subordinated deposits are included amounting to &#8364;189 million</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_778" xlink:label="loc_ID_778_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_778_0" xlink:to="lbl_footnote_18"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_782" xlink:label="loc_ID_782_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="3" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_782_0" xlink:to="lbl_footnote_18"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_786" xlink:label="loc_ID_786_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="4" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_786_0" xlink:to="lbl_footnote_18"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_790" xlink:label="loc_ID_790_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="5" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_790_0" xlink:to="lbl_footnote_18"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_794" xlink:label="loc_ID_794_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="6" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_794_0" xlink:to="lbl_footnote_18"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_798" xlink:label="loc_ID_798_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="7" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_798_0" xlink:to="lbl_footnote_18"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_802" xlink:label="loc_ID_802_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="8" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_802_0" xlink:to="lbl_footnote_18"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_485" xlink:label="loc_ID_485_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_485_0" xlink:to="lbl_footnote_19"></link:footnoteArc>
    <link:footnote id="FN_19" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_19">
      <div>
        <p style="text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)    The </font>
          <font style="font-family:Arial;font-size:6pt;">variation corresponds mainly to the decrease in Mexico.</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_486" xlink:label="loc_ID_486_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_486_0" xlink:to="lbl_footnote_19"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_501" xlink:label="loc_ID_501_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_501_0" xlink:to="lbl_footnote_20"></link:footnoteArc>
    <link:footnote id="FN_20" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_20">
      <div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) </font>
          <font style="font-family:Arial;font-size:6pt;">Individually insignificant provisions or contingencies, for various concepts in different geographies.</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_502" xlink:label="loc_ID_502_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_502_0" xlink:to="lbl_footnote_20"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_579" xlink:label="loc_ID_579_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_579_0" xlink:to="lbl_footnote_21"></link:footnoteArc>
    <link:footnote id="FN_21" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_21">
      <div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Provisional data</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_581" xlink:label="loc_ID_581_0"></link:loc>
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    <link:loc xlink:type="locator" xlink:href="#ID_583" xlink:label="loc_ID_583_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="3" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_583_0" xlink:to="lbl_footnote_21"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_585" xlink:label="loc_ID_585_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="4" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_585_0" xlink:to="lbl_footnote_21"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_587" xlink:label="loc_ID_587_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="5" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_587_0" xlink:to="lbl_footnote_21"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_589" xlink:label="loc_ID_589_0"></link:loc>
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    <link:loc xlink:type="locator" xlink:href="#ID_591" xlink:label="loc_ID_591_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="7" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_591_0" xlink:to="lbl_footnote_21"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_593" xlink:label="loc_ID_593_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="8" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_593_0" xlink:to="lbl_footnote_21"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_595" xlink:label="loc_ID_595_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="9" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_595_0" xlink:to="lbl_footnote_21"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_597" xlink:label="loc_ID_597_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_597_0" xlink:to="lbl_footnote_22"></link:footnoteArc>
    <link:footnote id="FN_22" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_22">
      <div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Provisional data</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_1001" xlink:label="loc_ID_1001_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_1001_0" xlink:to="lbl_footnote_22"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_1003" xlink:label="loc_ID_1003_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="3" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_1003_0" xlink:to="lbl_footnote_22"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_615" xlink:label="loc_ID_615_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_615_0" xlink:to="lbl_footnote_23"></link:footnoteArc>
    <link:footnote id="FN_23" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_23">
      <div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Non-performing financial </font>
          <font style="font-family:Arial;font-size:6pt;">guarantees given amounted to &#8364;702 million </font>
          <font style="font-family:Arial;font-size:6pt;">and &#8364;730 million, respectively, as of June 30, 2020 and December 31, 2019, respectively.</font>
        </p>
      </div>
    </link:footnote>
    <link:loc xlink:type="locator" xlink:href="#ID_616" xlink:label="loc_ID_616_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="2" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_616_0" xlink:to="lbl_footnote_23"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_631" xlink:label="loc_ID_631_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="3" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_631_0" xlink:to="lbl_footnote_23"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_632" xlink:label="loc_ID_632_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="4" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_632_0" xlink:to="lbl_footnote_23"></link:footnoteArc>
    <link:loc xlink:type="locator" xlink:href="#ID_2836" xlink:label="loc_ID_2836_0"></link:loc>
    <link:footnoteArc xlink:type="arc" xlink:priority="0" xlink:order="1" xlink:use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="loc_ID_2836_0" xlink:to="lbl_footnote_24"></link:footnoteArc>
    <link:footnote id="FN_24" xml:lang="en" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:label="lbl_footnote_24">
      <div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)  </font>
          <font style="font-family:Arial;font-size:6pt;">As of June 30, 2020 th</font>
          <font style="font-family:Arial;font-size:6pt;">e amount includes mainly the negative impact of the update of the macroeconomic scenario following the COVID-19 pandemic (see Notes 1.5 and 6.2).</font>
        </p>
      </div>
    </link:footnote>
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    <link:loc xlink:type="locator" xlink:href="#ID_3190" xlink:label="loc_ID_3190_0"></link:loc>
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      <div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1)    Amounts received during the first </font>
          <font style="font-family:Arial;font-size:6pt;">half</font>
          <font style="font-family:Arial;font-size:6pt;"> of 2020 by Jos&#233; Miguel Andr&#233;s Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by Juan Pi Llorens, in his capacity as Lead Director.</font>
        </p>
      </div>
    </link:footnote>
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        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(2</font>
          <font style="font-family:Arial;font-size:6pt;">)    </font>
          <font style="font-family:Arial;font-size:6pt;">Directors appointed by the General Meeting </font>
          <font style="font-family:Arial;font-size:6pt;">held on 13 March 2020. Remunerations paid based on the date on which the position was accepted.</font>
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      </div>
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    <link:loc xlink:type="locator" xlink:href="#ID_3152" xlink:label="loc_ID_3152_0"></link:loc>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(</font>
          <font style="font-family:Arial;font-size:6pt;">3)    Including </font>
          <font style="font-family:Arial;font-size:6pt;">the amounts corresponding to the position</font>
          <font style="font-family:Arial;font-size:6pt;">s</font>
          <font style="font-family:Arial;font-size:6pt;"> of </font>
          <font style="font-family:Arial;font-size:6pt;">the </font>
          <font style="font-family:Arial;font-size:6pt;">member of the Board and of the various committees during the first </font>
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          <font style="font-family:Arial;font-size:6pt;"> of </font>
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          <font style="font-family:Arial;font-size:6pt;"> year</font>
          <font style="font-family:Arial;font-size:6pt;">. </font>
          <font style="font-family:Arial;font-size:6pt;">The composition of these committees was amended by agreement of the Board of Directors </font>
          <font style="font-family:Arial;font-size:6pt;">dated 29 April</font>
          <font style="font-family:Arial;font-size:6pt;"> 2020</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">In addition, Tom&#225;s Alfaro Drake and Carlos Loring Mart&#237;nez de Irujo, who left their roles as directors on 13 March 2020, received a total of </font>
          <font style="font-family:Arial;font-size:6pt;">&#8364;</font>
          <font style="font-family:Arial;font-size:6pt;">54 thousand and </font>
          <font style="font-family:Arial;font-size:6pt;">&#8364;</font>
          <font style="font-family:Arial;font-size:6pt;">111 thousand, respectively, for their membership of the Board and </font>
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          <font style="font-family:Arial;font-size:6pt;">ittees during the first </font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;"> (1</font>
          <font style="font-family:Arial;font-size:6pt;">) In </font>
          <font style="font-family:Arial;font-size:6pt;">addition, in accordance with the current Remuneration Policy for BBVA Directors, during the first half of the 2020 financial year, the Chief Executive Officer received &#8364;327 thousand as cash in lieu of pension and &#8364;300 thousand as a mobility</font>
          <font style="font-family:Arial;font-size:6pt;"> allowance</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) </font>
          <font style="font-family:Arial;font-size:6pt;">Remuneration corresponding to the upfront portion (40%) of the Annual Variable Remuneration (AVR) for the 2019 financial year and to the deferred AVR for the 2016 financial year to be paid in 2020, along with its up</font>
          <font style="font-family:Arial;font-size:6pt;">date in cash. The deferred AVR for the 2016 financial year of the Chairman and the Chief Executive Officer is associated with their previous roles as Chief Executive Officer and President &amp; CEO of BBVA Compass (now BBVA USA), respectively.</font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) Remuneration corresponding to the upfront portion (40%) of the A</font>
          <font style="font-family:Arial;font-size:6pt;">VR for the 2019 financial year </font>
          <font style="font-family:Arial;font-size:6pt;">and, in the case of members who were beneficiaries, </font>
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          <font style="font-family:Arial;font-size:6pt;"> financial year, the remuneration included relates to their previou</font>
          <font style="font-family:Arial;font-size:6pt;">s positions.</font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) </font>
          <font style="font-family:Arial;font-size:6pt;">Contributions registered to fulfil the proportion of pension commitments undertaken with the executive directors corresponding to the first half of the 2020 </font>
          <font style="font-family:Arial;font-size:6pt;">financial year. In the case of the Chairman, these correspond to the sum of the annual contribution to cover retirement benefits and the adjustment made to the discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial y</font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) </font>
          <font style="font-family:Arial;font-size:6pt;">Contributions registered to fulfil the proportion of pension commitments undertaken with the executive directors corresponding to the first half of the 2020 </font>
          <font style="font-family:Arial;font-size:6pt;">financial year. In the case of the Chairman, these correspond to the sum of the annual contribution to cover retirement benefits and the adjustment made to the discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial y</font>
          <font style="font-family:Arial;font-size:6pt;">ear once the AVR for the year 2019 had been determined and to the death and disability premiums. For the Chief Executive Officer, the contributions registered correspond exclusively to the proportion of the premiums for death and disability given that, in </font>
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          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) </font>
          <font style="font-family:Arial;font-size:6pt;">Contributions registered to fulfil the proportion of pension commitments undertaken with the Senior Management as a whole for the first half of the</font>
          <font style="font-family:Arial;font-size:6pt;"> 2020 financial year corresponding to the sum of the annual contributions to cover retirement benefits and the adjustments to discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial year once the AVR for the year 2019</font>
          <font style="font-family:Arial;font-size:6pt;"> had been determined, and to the</font>
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                <link:definition>041205 - Disclosure - Note 12 - Financial assets at fair value through other comprehensive income - Accumulated other comprehensive income items that may be reclassified to profit or loss available for sale financial assets (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>013600 - Disclosure - Note 36 - Gains (losses) on financial assets and liabilities (net), hedge accounting and Exchange Differences</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>033600 - Disclosure - Note 36 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences (Tables)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>033500 - Disclosure - Note 35 - Fee and commission income and expenses (Tables)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>043501 - Disclosure - Note 35 - Fee and commission income and expenses - Fee And Commission Income (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>043502 - Disclosure - Note 35 - Fee and commission income and expenses - Fee And Commission Expense (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>033700 - Disclosure - Note 37 - Other operating income and expenses (Tables)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>043701 - Disclosure - Note 37 - Other operating income and expenses - Other Operating Income Explanatory (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>043702 - Disclosure - Note 37 - Other operating income and expenses - Other Operating Expense Explanatory (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>013800 - Disclosure - Note 38 - Insurance and reinsurance contracts income and expenses</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>033800 - Disclosure - Note 38 - Insurance and reinsurance contracts income and expenses (Tables)</link:definition>
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                <link:definition>043801 - Disclosure - Note 38 - Insurance and reinsurance contracts income and expenses - Other operating income and expenses on insurance and reinsurance contracts (Details)</link:definition>
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                <link:definition>014100 - Disclosure - Note 41 - Provisions or reversal provisions</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>034100 - Disclosure - Note 41 - Provisions or reversal provisions (Tables)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>044100 - Disclosure - Note 41 - Provisions or reversal provisions (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>041701 - Disclosure - Note 17 - Intangible assets - Goodwill - Breakdown by CGU and Changes of the year - Reconciliation Of Changes In Goodwill (Details)</link:definition>
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                <link:definition>014500 - Disclosure - Note 45 - Gains (losses) on derecognition of non financial assets and subsidiaries, net</link:definition>
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                <link:definition>034500 - Disclosure - Note 45 - Gains (losses) on derecognition of non financial assets and subsidiaries, net (Tables)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>044500 - Disclosure - Note 45 - Gains (losses) on derecognition of non financial assets and subsidiaries, net (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>014000 - Disclosure - Note 40 - Depreciation</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note40DepreciationTables" id="ELRID_Note40DepreciationTables">
                <link:definition>034000 - Disclosure - Note 40 - Depreciation (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note40DepreciationDetails" id="ELRID_Note40DepreciationDetails">
                <link:definition>044000 - Disclosure - Note 40 - Depreciation (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note27AccumulatedOtherComprehensiveIncome" id="ELRID_Note27AccumulatedOtherComprehensiveIncome">
                <link:definition>012700 - Disclosure - Note 27 - Accumulated Other Comprehensive Income</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note27AccumulatedOtherComprehensiveIncomeTables" id="ELRID_Note27AccumulatedOtherComprehensiveIncomeTables">
                <link:definition>032700 - Disclosure - Note 27 - Accumulated Other Comprehensive Income (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note27AccumulatedOtherComprehensiveIncomeAccumulatedOtherComprehensiveIncomeDetails" id="ELRID_Note27AccumulatedOtherComprehensiveIncomeAccumulatedOtherComprehensiveIncomeDetails">
                <link:definition>042700 - Disclosure - Note 27 - Accumulated Other Comprehensive Income Accumulated Other Comprehensive Income (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note28NonControllingInterest" id="ELRID_Note28NonControllingInterest">
                <link:definition>012800 - Disclosure - Note 28 - Non Controlling Interest</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note28NonControllingInterestTables" id="ELRID_Note28NonControllingInterestTables">
                <link:definition>032800 - Disclosure - Note 28 - Non Controlling Interest (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note28NonControllingInterestDetails" id="ELRID_Note28NonControllingInterestDetails">
                <link:definition>042800 - Disclosure - Note 28 - Non Controlling Interest (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note21FinancialLiabilitiesAtAmortizedCost" id="ELRID_Note21FinancialLiabilitiesAtAmortizedCost">
                <link:definition>012100 - Disclosure - Note 21 - Financial liabilities at amortized cost</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note21FinancialLiabilitiesAtAmortizedCostTables" id="ELRID_Note21FinancialLiabilitiesAtAmortizedCostTables">
                <link:definition>032100 - Disclosure - Note 21 - Financial liabilities at amortized cost (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note21FinancialLiabilitiesAtAmortizedCostDetails" id="ELRID_Note21FinancialLiabilitiesAtAmortizedCostDetails">
                <link:definition>042101 - Disclosure - Note 21 - Financial liabilities at amortized cost (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note21FinancialLiabilitiesAtAmortizedCostDepositsFromCreditInstitutionsByGeographicalAreaAndInstrumentDetails" id="ELRID_Note21FinancialLiabilitiesAtAmortizedCostDepositsFromCreditInstitutionsByGeographicalAreaAndInstrumentDetails">
                <link:definition>042102 - Disclosure - Note 21 - Financial liabilities at amortized cost - Deposits from credit institutions by geographical area and instrument (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note21FinancialLiabilitiesAtAmortizedCostDepositsFromCustomersByGeographicalAreaAndInstrumentsDetails" id="ELRID_Note21FinancialLiabilitiesAtAmortizedCostDepositsFromCustomersByGeographicalAreaAndInstrumentsDetails">
                <link:definition>042103 - Disclosure - Note 21 - Financial liabilities at amortized cost - Deposits from customers by geographical area and instruments (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note21FinancialLiabilitiesAtAmortizedCostDebtSecuritiesIssuedDetails" id="ELRID_Note21FinancialLiabilitiesAtAmortizedCostDebtSecuritiesIssuedDetails">
                <link:definition>042104 - Disclosure - Note 21 - Financial liabilities at amortized cost - Debt Securities issued (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note21FinancialLiabilitiesAtAmortizedCostOtherFinancialLiabilitiesDetails" id="ELRID_Note21FinancialLiabilitiesAtAmortizedCostOtherFinancialLiabilitiesDetails">
                <link:definition>042108 - Disclosure - Note 21 - Financial liabilities at amortized cost - Other financial liabilities (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note31OtherContingentAssetsAndLiabilities" id="ELRID_Note31OtherContingentAssetsAndLiabilities">
                <link:definition>013100 - Disclosure - Note 31 - Other contingent assets and liabilities</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note34ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethod" id="ELRID_Note34ShareOfProfitOrLossOfEntitiesAccountedForUsingTheEquityMethod">
                <link:definition>013400 - Disclosure - Note 34 - Share of profit or loss of entities accounted for using the equity method</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note33DividendIncome" id="ELRID_Note33DividendIncome">
                <link:definition>013300 - Disclosure - Note 33 - Dividend Income</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note33DividendIncomeTables" id="ELRID_Note33DividendIncomeTables">
                <link:definition>033300 - Disclosure - Note 33 - Dividend income (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note33DividendIncomeDetails" id="ELRID_Note33DividendIncomeDetails">
                <link:definition>043300 - Disclosure - Note 33 - Dividend income (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note15InvestmentsInJointVenturesAndAssociates" id="ELRID_Note15InvestmentsInJointVenturesAndAssociates">
                <link:definition>011500 - Disclosure - Note 15 - Investments in joint ventures and associates</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note15InvestmentsInSubsidiariesJointVenturesAndAssociatesTables" id="ELRID_Note15InvestmentsInSubsidiariesJointVenturesAndAssociatesTables">
                <link:definition>031500 - Disclosure - Note 15 - Investments in subsidiaries, joint ventures and associates (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note15InvestmentsInSubsidiariesJointVenturesAndAssociatesAssociatesEntitiesAndJointVenturesBreakdownByEntitiesDetails" id="ELRID_Note15InvestmentsInSubsidiariesJointVenturesAndAssociatesAssociatesEntitiesAndJointVenturesBreakdownByEntitiesDetails">
                <link:definition>041501 - Disclosure - Note 15 - Investments in subsidiaries, joint ventures and associates - Associates Entities and joint ventures - Breakdown by entities (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note42ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAndRevenueOrLossNetByModification" id="ELRID_Note42ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossAndRevenueOrLossNetByModification">
                <link:definition>014200 - Disclosure - Note 42 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss and revenue or loss net by modification</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note42ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTables" id="ELRID_Note42ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossTables">
                <link:definition>034200 - Disclosure - Note 42 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note42ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossDetails" id="ELRID_Note42ImpairmentOrReversalOfImpairmentOnFinancialAssetsNotMeasuredAtFairValueThroughProfitOrLossDetails">
                <link:definition>044200 - Disclosure - Note 42 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note44ImpairmentOrReversalOfImpairmentOnNonfinancialAssets" id="ELRID_Note44ImpairmentOrReversalOfImpairmentOnNonfinancialAssets">
                <link:definition>014400 - Disclosure - Note 44 - Impairment or reversal of impairment on non-financial assets</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note44ImpairmentOrReversalOfImpairmentOnNonfinancialAssetsTables" id="ELRID_Note44ImpairmentOrReversalOfImpairmentOnNonfinancialAssetsTables">
                <link:definition>034400 - Disclosure - Note 44 - Impairment or reversal of impairment on non-financial assets (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note44ImpairmentOrReversalOfImpairmentOnNonfinancialAssetsDetails" id="ELRID_Note44ImpairmentOrReversalOfImpairmentOnNonfinancialAssetsDetails">
                <link:definition>044400 - Disclosure - Note 44 - Impairment or reversal of impairment on non-financial assets (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note46ProfitOrLossFromNoncurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations" id="ELRID_Note46ProfitOrLossFromNoncurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperations">
                <link:definition>014600 - Disclosure - Note 46 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note46ProfitOrLossFromNoncurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTables" id="ELRID_Note46ProfitOrLossFromNoncurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsTables">
                <link:definition>034600 - Disclosure - Note 46 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note46ProfitOrLossFromNoncurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsDetails" id="ELRID_Note46ProfitOrLossFromNoncurrentAssetsAndDisposalGroupsClassifiedAsHeldForSaleNotQualifyingAsDiscontinuedOperationsDetails">
                <link:definition>044600 - Disclosure - Note 46 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note19OtherAssetsAndLiabilities" id="ELRID_Note19OtherAssetsAndLiabilities">
                <link:definition>011900 - Disclosure - Note 19 - Other assets and liabilities</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note19OtherAssetsAndLiabilitiesTables" id="ELRID_Note19OtherAssetsAndLiabilitiesTables">
                <link:definition>031900 - Disclosure - Note 19 - Other assets and liabilities (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note19OtherAssetsAndLiabilitiesDetails" id="ELRID_Note19OtherAssetsAndLiabilitiesDetails">
                <link:definition>041901 - Disclosure - Note 19 - Other assets and liabilities (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note22AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContracts" id="ELRID_Note22AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContracts">
                <link:definition>012200 - Disclosure - Note 22 - Assets and Liabilities under reinsurance and insurance contracts</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note22AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTables" id="ELRID_Note22AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsTables">
                <link:definition>032200 - Disclosure - Note 22 - Assets and Liabilities under reinsurance and insurance contracts (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note22AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsLiabilitiesUnderReassuranceAndAssuranceContractsDetails" id="ELRID_Note22AssetsAndLiabilitiesUnderReinsuranceAndInsuranceContractsLiabilitiesUnderReassuranceAndAssuranceContractsDetails">
                <link:definition>042202 - Disclosure - Note 22 - Assets and Liabilities under reinsurance and insurance contracts - Liabilities Under Reassurance And Assurance Contracts (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note23Provisions" id="ELRID_Note23Provisions">
                <link:definition>012300 - Disclosure - Note 23 - Provisions</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note23ProvisionsTables" id="ELRID_Note23ProvisionsTables">
                <link:definition>032300 - Disclosure - Note 23 - Provisions (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note23ProvisionsProvisionsBreakdownByConcepsDetails" id="ELRID_Note23ProvisionsProvisionsBreakdownByConcepsDetails">
                <link:definition>042301 - Disclosure - Note 23 - Provisions. Provisions Breakdown By Conceps (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note32InterestIncomeAndExpense" id="ELRID_Note32InterestIncomeAndExpense">
                <link:definition>013200 - Disclosure - Note 32 - Interest Income and Expense</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note32InterestIncomeAndExpenseTables" id="ELRID_Note32InterestIncomeAndExpenseTables">
                <link:definition>033200 - Disclosure - Note 32 - Interest Income and Expense (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note32InterestIncomeAndExpenseInterestIncomeBreakDownByOriginDetails" id="ELRID_Note32InterestIncomeAndExpenseInterestIncomeBreakDownByOriginDetails">
                <link:definition>043200 - Disclosure - Note 32 - Interest Income and Expense - Interest Income Break Down By Origin (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note16TangibleAssets" id="ELRID_Note16TangibleAssets">
                <link:definition>011600 - Disclosure - Note 16 - Tangible assets</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note16TangibleAssetsTables" id="ELRID_Note16TangibleAssetsTables">
                <link:definition>031600 - Disclosure - Note 16 - Tangible assets (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note16TangibleAssetsDetails" id="ELRID_Note16TangibleAssetsDetails">
                <link:definition>041601 - Disclosure - Note 16 - Tangible assets (Details)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note14HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRisk" id="ELRID_Note14HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRisk">
                <link:definition>011400 - Disclosure - Note 14 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
            <link:roleType roleURI="http://www.bbva.es/role/Note14HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTables" id="ELRID_Note14HedgingDerivativesAndFairValueChangesOfTheHedgedItemsInPortfolioHedgeOfInterestRateRiskTables">
                <link:definition>031400 - Disclosure - Note 14 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk (Tables)</link:definition>
                <link:usedOn>link:presentationLink</link:usedOn>
                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
            </link:roleType>
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                <link:definition>041401 - Disclosure - Note 14 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk - Derivatives Hedging Accounting (Details)</link:definition>
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                <link:definition>015000 - Disclosure - Note 49 - Subsequent Events</link:definition>
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                <link:definition>043601 - Disclosure - Note 36 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences - Gains or losses on financial assets and liabilities and exchange differences. Breakdown by heading of the balance sheet (Details)</link:definition>
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                <link:definition>043602 - Disclosure - Note 36 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences - Breakdown by nature of the financial instrument (Details)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>010400 - Disclosure - Note 4 - Shareholder Remuneration System</link:definition>
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                <link:definition>014700 - Disclosure - Note 47 - Related-Party Transactions</link:definition>
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                <link:definition>034700 - Disclosure - Note 47 - Related-Party Transactions (Tables)</link:definition>
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                <link:definition>044601 - Disclosure - Note 47 - Related-Party Transactions - Balances Arising From Transactions With Entities Of The Group (Details)</link:definition>
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                <link:definition>044602 - Disclosure - Note 47 - Related-Party Transactions - Balance Of Income Statement Arising From Transactions With Entities Of The Group (Details)</link:definition>
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                <link:definition>014800 - Disclosure - Note 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management</link:definition>
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                <link:definition>034800 - Disclosure - Note 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management (Tables)</link:definition>
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                <link:definition>044801 - Disclosure - Note 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management - Remuneration For Non Executive Directors (Details)</link:definition>
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                <link:definition>044803 - Disclosure - Note 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management - Number Of Shares (Details)</link:definition>
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                <link:definition>043201 - Disclosure - Note 32 - Interest Income and Expense - Interest Expense Break Down By Origin (Details)</link:definition>
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                <link:definition>031200 - Disclosure - Note 12 - Financial assets at fair value through other comprehensive income (Tables)</link:definition>
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                <link:definition>012000 - Disclosure - Note 20 - Non-current assets and disposal groups classified as held for sale</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>032000 - Disclosure - Note 20 - Non-current assets and disposal groups classified as held for sale (Table)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>042003 - Disclosure - Note 20 - Non-current assets and disposal groups classified as held for sale (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>012500 - Disclosure - Note 25 - Common Stock</link:definition>
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                <link:definition>042501 - Disclosure - Note 25 - Common Stock - Classes Of Share Capital (Details)</link:definition>
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                <link:definition>012600 - Disclosure - Note 26 - Retained earnings, revaluation reserves and other reserves</link:definition>
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                <link:definition>032600 - Disclosure - Note 26 - Retained earnings, revaluation reserves and other reserves. (Tables)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:definition>042601 - Disclosure - Note 26 - Retained earnings, revaluation reserves and other reserves -  Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Details)</link:definition>
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                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>041204 - Disclosure - Note 12 - Financial assets at fair value through other comprehensive income debt securities by rating (Details)</link:definition>
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                <link:definition>043901 - Disclosure - Note 39 - Administration Costs - Personnel Expenses Breakdown (Details)</link:definition>
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                <link:definition>043907 - Disclosure - Note 39 - Administration Costs - Other Administrative Expenses (Details)</link:definition>
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                <link:definition>000200 - Statement - Financial Statements - Statements of changes in equity</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>040100 - Disclosure - Note 1 - Introduction, Basis For The Presentation Of The Consolidated Financial Statements, Internal Control Of Financial Information And Other Information (Details)</link:definition>
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                <link:usedOn>link:calculationLink</link:usedOn>
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                <link:usedOn>link:calculationLink</link:usedOn>
                <link:usedOn>link:definitionLink</link:usedOn>
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                <link:definition>010200 - Disclosure - Note 2 - Principles Of Consolidation, Accounting Policies And Measurement Bases Applies And Recent IFRS Pronouncements</link:definition>
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    <import namespace="http://xbrl.sec.gov/country/2017-01-31" schemaLocation="http://xbrl.sec.gov/country/2017/country-2017-01-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2019-01-31" schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd" />
    <import namespace="http://xbrl.ifrs.org/taxonomy/2019-03-27/ifrs-full" schemaLocation="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd" />
    <import namespace="http://fasb.org/srt/2019-01-31" schemaLocation="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <element name="Disclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostabstract" id="bbva_Disclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostabstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="FinancialassetsandliabilitiesheldfortradingAbstract" id="bbva_FinancialassetsandliabilitiesheldfortradingAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="Shortpositionsfinancialliabilitiesheldfortrading" id="bbva_Shortpositionsfinancialliabilitiesheldfortrading" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="OtherMember" id="bbva_OtherMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="Financialassetsandliabilitiesheldfortrading" id="bbva_Financialassetsandliabilitiesheldfortrading" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="Disclosureoffinancialassetsandliabilitiesdesignatedatfairvaluethroughprofitorlossabstract" id="bbva_Disclosureoffinancialassetsandliabilitiesdesignatedatfairvaluethroughprofitorlossabstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory" id="bbva_Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
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    <element name="Subtotalequityinstrumentsavailableforsale" id="bbva_Subtotalequityinstrumentsavailableforsale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="GeographydepositsfrombanksDomain" id="bbva_GeographydepositsfrombanksDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="IssuedinEurosMember" id="bbva_IssuedinEurosMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="OtherCountriesMember" id="bbva_OtherCountriesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TotalforeignMember" id="bbva_TotalforeignMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TotaldomesticforeignMember" id="bbva_TotaldomesticforeignMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TotaldomesticMember" id="bbva_TotaldomesticMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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    <element name="CreditinstitutionsMember" id="bbva_CreditinstitutionsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="Loansandadvancestocentralbanks" id="bbva_Loansandadvancestocentralbanks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
    <element name="Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory" id="bbva_Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument" id="bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="DisclosureFeeAndCommissionIncomeExplanatory" id="bbva_DisclosureFeeAndCommissionIncomeExplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="DisclosureFeeAndCommissionExpenseExplanatory" id="bbva_DisclosureFeeAndCommissionExpenseExplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="CreditAndDebitCardsFeeIncome" id="bbva_CreditAndDebitCardsFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="TransfersandotherpaymentordersFeeIncome" id="bbva_TransfersandotherpaymentordersFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="ChecksFeeIncome" id="bbva_ChecksFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="InsuranceProductCommissionsFeeIncome" id="bbva_InsuranceProductCommissionsFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="CustodySecuritiesFeeIncome" id="bbva_CustodySecuritiesFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="BillsReceivablesFeeIncome" id="bbva_BillsReceivablesFeeIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="Creditanddebitcardsfeeexpense" id="bbva_Creditanddebitcardsfeeexpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="Transfersandotherpaymentordersfeeexpense" id="bbva_Transfersandotherpaymentordersfeeexpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="Commissionsforsellinginsurancefeeexpense" id="bbva_Commissionsforsellinginsurancefeeexpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
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    <element name="OtherOperatingIncomeExplanatory" id="bbva_OtherOperatingIncomeExplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="OtherOperatingExpenseExplanatory" id="bbva_OtherOperatingExpenseExplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="FinancialIncomeFromNon-FinancialServices" id="bbva_FinancialIncomeFromNon-FinancialServices" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="OtherOperatingIncome" id="bbva_OtherOperatingIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="Changeininvetories" id="bbva_Changeininvetories" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="Otheroperatingexpense" id="bbva_Otheroperatingexpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
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    <element name="DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory" id="bbva_DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="Netincomearisingfrominsurancecontracts" id="bbva_Netincomearisingfrominsurancecontracts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
    <element name="TotalMember" id="bbva_TotalMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions" id="bbva_Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="Commitmentsandguaranteesgiven" id="bbva_Commitmentsandguaranteesgiven" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
    <element name="Pendinglegalissuesandtaxlitigation" id="bbva_Pendinglegalissuesandtaxlitigation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
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    <element name="ChileMember" id="bbva_ChileMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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    <element name="CashonhandMember" id="bbva_CashonhandMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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    <element name="Accumulatedothercomprehensiveincomeexplanatory" id="bbva_Accumulatedothercomprehensiveincomeexplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
    <element name="Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale" id="bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
    <element name="NonControllingInterestAbstract" id="bbva_NonControllingInterestAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="NoncontrolllinginterestLineItems" id="bbva_NoncontrolllinginterestLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
    <element name="TotalgroupnoncontrolllinginteresTable" id="bbva_TotalgroupnoncontrolllinginteresTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
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    <element name="Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory" id="bbva_Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
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    <element name="DepositsfrombanksbygeographicalareaandinstrumentLineItems" id="bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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    <element name="RestOftheworldMember" id="bbva_RestOftheworldMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
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        <label xlink:type="resource" xlink:label="label12" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityRegistrantName_en-US">Entity Registrant Name</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element12" xlink:to="label12" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="element13" />
        <label xlink:type="resource" xlink:label="label13" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_EntityCentralIndexKey_en-US">Entity Central Index Key</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element13" xlink:to="label13" />
        <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:label="element14" />
        <label xlink:type="resource" xlink:label="label14" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_dei_DocumentType_en-US">Document Type</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element14" xlink:to="label14" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Accruals" xlink:label="element15" />
        <label xlink:type="resource" xlink:label="label15" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_Accruals_en-US">Total Accruals (liabilities)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element15" xlink:to="label15" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Accruals" xlink:label="element16" />
        <label xlink:type="resource" xlink:label="label16" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Accruals_en-US">Accruals (liabilities)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element16" xlink:to="label16" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:label="element17" />
        <label xlink:type="resource" xlink:label="label17" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_en-US">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, ASSETS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element17" xlink:to="label17" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets" xlink:label="element18" />
        <label xlink:type="resource" xlink:label="label18" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets_en-US">Fair value changes of the hedged items in portfolio hedges of interest rate risk (assets)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element18" xlink:to="label18" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:label="element19" />
        <label xlink:type="resource" xlink:label="label19" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_en-US">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, LIABILITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element19" xlink:to="label19" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities" xlink:label="element20" />
        <label xlink:type="resource" xlink:label="label20" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities_en-US">Fair value changes of the Hedged items in portfolio hedges of interest rate risk (liabilities)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element20" xlink:to="label20" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:label="element21" />
        <label xlink:type="resource" xlink:label="label21" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_AccumulatedOtherComprehensiveIncome_en-US">Total accumulated other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element21" xlink:to="label21" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AccumulatedOtherComprehensiveIncome" xlink:label="element22" />
        <label xlink:type="resource" xlink:label="label22" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AccumulatedOtherComprehensiveIncome_en-US">Accumulated Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element22" xlink:to="label22" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AccumulatedOtherComprehensiveIncomeMember" xlink:label="element23" />
        <label xlink:type="resource" xlink:label="label23" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AccumulatedOtherComprehensiveIncomeMember_en-US">Accumulated other Comprehensive Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element23" xlink:to="label23" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdditionalRecognitionGoodwill" xlink:label="element24" />
        <label xlink:type="resource" xlink:label="label24" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdditionalRecognitionGoodwill_en-US">Additional Recognition Goodwill</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element24" xlink:to="label24" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AddressOfRegisteredOfficeOfEntity" xlink:label="element25" />
        <label xlink:type="resource" xlink:label="label25" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AddressOfRegisteredOfficeOfEntity_en-US">Address of entity's registered office</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element25" xlink:to="label25" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading" xlink:label="element26" />
        <label xlink:type="resource" xlink:label="label26" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading_en-US">Financial assests held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element26" xlink:to="label26" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets" xlink:label="element27" />
        <label xlink:type="resource" xlink:label="label27" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets_en-US">Other operating assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element27" xlink:to="label27" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense" xlink:label="element28" />
        <label xlink:type="resource" xlink:label="label28" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense_en-US">Depreciation and amortization</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element28" xlink:to="label28" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading" xlink:label="element29" />
        <label xlink:type="resource" xlink:label="label29" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading_en-US">Financial liabilities held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element29" xlink:to="label29" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities" xlink:label="element30" />
        <label xlink:type="resource" xlink:label="label30" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities_en-US">Other operating liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element30" xlink:to="label30" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital" xlink:label="element31" />
        <label xlink:type="resource" xlink:label="label31" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital_en-US">Adjustments to obtain the cash flow from operating activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element31" xlink:to="label31" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdministrativeExpense" xlink:label="element32" />
        <label xlink:type="resource" xlink:label="label32" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdministrativeExpense_en-US">Administrative Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element32" xlink:to="label32" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdministrativeExpense" xlink:label="element33" />
        <label xlink:type="resource" xlink:label="label33" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_AdministrativeExpense_en-US">Total Administrative Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element33" xlink:to="label33" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AdvertisingExpense" xlink:label="element34" />
        <label xlink:type="resource" xlink:label="label34" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AdvertisingExpense_en-US">Advertising Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element34" xlink:to="label34" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AllLevelsOfFairValueHierarchyMember" xlink:label="element35" />
        <label xlink:type="resource" xlink:label="label35" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AllLevelsOfFairValueHierarchyMember_en-US">All Levels Of Fair Value Hierarchy Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element35" xlink:to="label35" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AmountsRemovedFromEquityAndIncludedInCarryingAmountOfNonfinancialAssetLiabilityWhoseAcquisitionOrIncurrenceWasHedgedHighlyProbableForecastTransactionBeforeTax" xlink:label="element36" />
        <label xlink:type="resource" xlink:label="label36" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AmountsRemovedFromEquityAndIncludedInCarryingAmountOfNonfinancialAssetLiabilityWhoseAcquisitionOrIncurrenceWasHedgedHighlyProbableForecastTransactionBeforeTax_en-US">Cash Flow Hedges [effective portion] - Transferred to initial carrying amout of hedged items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element36" xlink:to="label36" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Assets" xlink:label="element37" />
        <label xlink:type="resource" xlink:label="label37" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Assets_en-US">Contributed To Consolidated Group Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element37" xlink:to="label37" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Assets" xlink:label="element38" />
        <label xlink:type="resource" xlink:label="label38" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_Assets_en-US">TOTAL ASSETS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element38" xlink:to="label38" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Assets" xlink:label="element39" />
        <label xlink:type="resource" xlink:label="label39" xlink:role="http://www.xbrl.org/2003/role/positiveLabel" xml:lang="en-US" id="positive_ifrs-full_Assets_en-US">Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element39" xlink:to="label39" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Assets" xlink:label="element40" />
        <label xlink:type="resource" xlink:label="label40" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_Assets_en-US">Assets at the beginning of the period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element40" xlink:to="label40" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Assets" xlink:label="element41" />
        <label xlink:type="resource" xlink:label="label41" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_Assets_en-US">Assets at the end of the period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element41" xlink:to="label41" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Assets" xlink:label="element42" />
        <label xlink:type="resource" xlink:label="label42" xlink:role="http://www.xbrl.org/2009/role/netLabel" xml:lang="en-US" id="Net_ifrs-full_Assets_en-US">Assets Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element42" xlink:to="label42" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AssetsAbstract" xlink:label="element43" />
        <label xlink:type="resource" xlink:label="label43" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AssetsAbstract_en-US">Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element43" xlink:to="label43" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued" xlink:label="element44" />
        <label xlink:type="resource" xlink:label="label44" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued_en-US">INSURANCE OR REINSURANCE ASSETS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element44" xlink:to="label44" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_AtFairValueMember" xlink:label="element45" />
        <label xlink:type="resource" xlink:label="label45" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_AtFairValueMember_en-US">Fair Value Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element45" xlink:to="label45" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:label="element46" />
        <label xlink:type="resource" xlink:label="label46" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents_en-US">Bank Overdrafts Classified As Cash Equivalents</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element46" xlink:to="label46" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:label="element47" />
        <label xlink:type="resource" xlink:label="label47" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents_en-US">Bank Overdrafts Classified As Cash Equivalents at the beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element47" xlink:to="label47" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_BankOverdraftsClassifiedAsCashEquivalents" xlink:label="element48" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element48" xlink:to="label48" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_BasicEarningsLossPerShare" xlink:label="element49" />
        <label xlink:type="resource" xlink:label="label49" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_BasicEarningsLossPerShare_en-US">Basic Earnings Loss Per Share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element49" xlink:to="label49" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_BasicEarningsLossPerShareFromContinuingOperations" xlink:label="element50" />
        <label xlink:type="resource" xlink:label="label50" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations_en-US">Basic Earnings Loss Per Share From Continuing Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element50" xlink:to="label50" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations" xlink:label="element51" />
        <label xlink:type="resource" xlink:label="label51" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations_en-US">Basic Earnings Loss Per Share From Discontinued Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element51" xlink:to="label51" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_BrokerageFeeIncome" xlink:label="element52" />
        <label xlink:type="resource" xlink:label="label52" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_BrokerageFeeIncome_en-US">Securities fees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element52" xlink:to="label52" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:label="element53" />
        <label xlink:type="resource" xlink:label="label53" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CashAndBankBalancesAtCentralBanks_en-US">Cash balances at central banks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element53" xlink:to="label53" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:label="element54" />
        <label xlink:type="resource" xlink:label="label54" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_CashAndBankBalancesAtCentralBanks_en-US">Cash balances at central banks at the beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element54" xlink:to="label54" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashAndBankBalancesAtCentralBanks" xlink:label="element55" />
        <label xlink:type="resource" xlink:label="label55" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_CashAndBankBalancesAtCentralBanks_en-US">Cash balances at central banks at the end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element55" xlink:to="label55" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="element56" />
        <label xlink:type="resource" xlink:label="label56" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_CashAndCashEquivalents_en-US">CASH, CASH BALANCES AT CENTRAL BANKS AND OTHER DEMAND DEPOSITS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element56" xlink:to="label56" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="element57" />
        <label xlink:type="resource" xlink:label="label57" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CashAndCashEquivalents_en-US">BBVA Cash Balance Available To The Date</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element57" xlink:to="label57" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="element58" />
        <label xlink:type="resource" xlink:label="label58" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_CashAndCashEquivalents_en-US">Cash And Cash Equivalents at the begining</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element58" xlink:to="label58" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashAndCashEquivalents" xlink:label="element59" />
        <label xlink:type="resource" xlink:label="label59" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_CashAndCashEquivalents_en-US">Cash And Cash Equivalents at the end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element59" xlink:to="label59" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities" xlink:label="element60" />
        <label xlink:type="resource" xlink:label="label60" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities_en-US">Disinvestments - Subsidiaries and other business units</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element60" xlink:to="label60" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashFlowsFromUsedInFinancingActivities" xlink:label="element61" />
        <label xlink:type="resource" xlink:label="label61" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CashFlowsFromUsedInFinancingActivities_en-US">CASH FLOWS FROM FINANCING ACTIVITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element61" xlink:to="label61" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashFlowsFromUsedInInvestingActivities" xlink:label="element62" />
        <label xlink:type="resource" xlink:label="label62" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CashFlowsFromUsedInInvestingActivities_en-US">CASH FLOWS FROM INVESTING ACTIVITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element62" xlink:to="label62" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashFlowsFromUsedInOperatingActivities" xlink:label="element63" />
        <label xlink:type="resource" xlink:label="label63" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CashFlowsFromUsedInOperatingActivities_en-US">CASH FLOW FROM OPERATING ACTIVITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element63" xlink:to="label63" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashOnHand" xlink:label="element64" />
        <label xlink:type="resource" xlink:label="label64" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CashOnHand_en-US">Cash on hand</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element64" xlink:to="label64" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashOnHand" xlink:label="element65" />
        <label xlink:type="resource" xlink:label="label65" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_CashOnHand_en-US">Cash on hand at the beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element65" xlink:to="label65" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CashOnHand" xlink:label="element66" />
        <label xlink:type="resource" xlink:label="label66" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_CashOnHand_en-US">Cash on hand at the end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element66" xlink:to="label66" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CategoriesOfRelatedPartiesAxis" xlink:label="element67" />
        <label xlink:type="resource" xlink:label="label67" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CategoriesOfRelatedPartiesAxis_en-US">Categories Of Related Parties Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element67" xlink:to="label67" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ChangesInEquityAbstract" xlink:label="element68" />
        <label xlink:type="resource" xlink:label="label68" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ChangesInEquityAbstract_en-US">Changes in equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element68" xlink:to="label68" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ClassesOfAssetsAxis" xlink:label="element69" />
        <label xlink:type="resource" xlink:label="label69" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ClassesOfAssetsAxis_en-US">Classes Of Assets Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element69" xlink:to="label69" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract" xlink:label="element70" />
        <label xlink:type="resource" xlink:label="label70" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract_en-US">Classes Of Employee Benefits Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element70" xlink:to="label70" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ClassesOfFinancialInstrumentsAxis" xlink:label="element71" />
        <label xlink:type="resource" xlink:label="label71" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ClassesOfFinancialInstrumentsAxis_en-US">Classes Of Financial Instruments Assets Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element71" xlink:to="label71" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ClassesOfFinancialInstrumentsMember" xlink:label="element72" />
        <label xlink:type="resource" xlink:label="label72" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ClassesOfFinancialInstrumentsMember_en-US">Classes Of Financial Instruments Assets Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element72" xlink:to="label72" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis" xlink:label="element73" />
        <label xlink:type="resource" xlink:label="label73" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis_en-US">Intangible Assets Other Than Goodwill Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element73" xlink:to="label73" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CommunicationExpense" xlink:label="element74" />
        <label xlink:type="resource" xlink:label="label74" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CommunicationExpense_en-US">CommunicationExpense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element74" xlink:to="label74" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ComponentsOfEquityAxis" xlink:label="element75" />
        <label xlink:type="resource" xlink:label="label75" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ComponentsOfEquityAxis_en-US">Components of equity Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element75" xlink:to="label75" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ComprehensiveIncome" xlink:label="element76" />
        <label xlink:type="resource" xlink:label="label76" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ComprehensiveIncome_en-US">TOTAL RECOGNIZED INCOME/EXPENSES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element76" xlink:to="label76" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests" xlink:label="element77" />
        <label xlink:type="resource" xlink:label="label77" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests_en-US">Attributable to minority interest [non-controlling interests]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element77" xlink:to="label77" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent" xlink:label="element78" />
        <label xlink:type="resource" xlink:label="label78" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent_en-US">Attributable to the parent company</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element78" xlink:to="label78" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset" xlink:label="element79" />
        <label xlink:type="resource" xlink:label="label79" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset_en-US">Employer contributions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element79" xlink:to="label79" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CountryOfIncorporation" xlink:label="element80" />
        <label xlink:type="resource" xlink:label="label80" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CountryOfIncorporation_en-US">Country of incorporation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element80" xlink:to="label80" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CurrentTaxAssets" xlink:label="element81" />
        <label xlink:type="resource" xlink:label="label81" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CurrentTaxAssets_en-US">Current tax assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element81" xlink:to="label81" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_CurrentTaxLiabilities" xlink:label="element82" />
        <label xlink:type="resource" xlink:label="label82" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_CurrentTaxLiabilities_en-US">Current tax liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element82" xlink:to="label82" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DebtSecurities" xlink:label="element83" />
        <label xlink:type="resource" xlink:label="label83" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_DebtSecurities_en-US">Debt certificates, at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element83" xlink:to="label83" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DebtSecurities" xlink:label="element84" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DepositsFromCustomers" xlink:label="element97" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DepreciationAndAmortisationExpense" xlink:label="element98" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DerivativeFinancialAssetsHeldForHedging" xlink:label="element101" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DerivativeFinancialAssetsHeldForTrading" xlink:label="element102" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:label="element103" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging" xlink:label="element104" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DerivativesMember" xlink:label="element106" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DescriptionOfBasisOnWhichUnitsRecoverableAmountHasBeenDetermined" xlink:label="element108" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DescriptionOfChangeInValuationTechniqueUsedToMeasureFairValueLessCostsOfDisposal" xlink:label="element109" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations" xlink:label="element111" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_DescriptionOfHedgingInstrumentsUsedToHedgeRiskExposuresAndHowTheyAreUsed" xlink:label="element113" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element226" xlink:to="label226" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss" xlink:label="element227" />
        <label xlink:type="resource" xlink:label="label227" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss_en-US">Exchange differences (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element227" xlink:to="label227" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:label="element228" />
        <label xlink:type="resource" xlink:label="label228" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_en-US">Hedge of net investments in foreign operations [effective portion] - Valuation gains or losses taken to equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element228" xlink:to="label228" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_GainsLossesOnHedgingInstrument" xlink:label="element229" />
        <label xlink:type="resource" xlink:label="label229" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_GainsLossesOnHedgingInstrument_en-US">Gains or losses from hedge accounting net (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element229" xlink:to="label229" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment" xlink:label="element230" />
        <label xlink:type="resource" xlink:label="label230" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment_en-US">Gains On Disposals Of Property Plant And Equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element230" xlink:to="label230" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Goodwill" xlink:label="element231" />
        <label xlink:type="resource" xlink:label="label231" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_Goodwill_en-US">Goodwill at end of period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element231" xlink:to="label231" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Goodwill" xlink:label="element232" />
        <label xlink:type="resource" xlink:label="label232" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Goodwill_en-US">Goodwill</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element232" xlink:to="label232" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Goodwill" xlink:label="element233" />
        <label xlink:type="resource" xlink:label="label233" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_Goodwill_en-US">Goodwill at beginning of period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element233" xlink:to="label233" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_GovernmentMember" xlink:label="element234" />
        <label xlink:type="resource" xlink:label="label234" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_GovernmentMember_en-US">Government [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element234" xlink:to="label234" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_GrossCarryingAmountMember" xlink:label="element235" />
        <label xlink:type="resource" xlink:label="label235" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_GrossCarryingAmountMember_en-US">Gross carrying amount [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element235" xlink:to="label235" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_GrossProfit" xlink:label="element236" />
        <label xlink:type="resource" xlink:label="label236" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_GrossProfit_en-US">Gross Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element236" xlink:to="label236" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ImpairmentLoss" xlink:label="element237" />
        <label xlink:type="resource" xlink:label="label237" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ImpairmentLoss_en-US">Non Current Assets On Sale Impairment loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element237" xlink:to="label237" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ImpairmentLossOnFinancialAssets" xlink:label="element238" />
        <label xlink:type="resource" xlink:label="label238" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ImpairmentLossOnFinancialAssets_en-US">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element238" xlink:to="label238" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ImpairmentLossOnFinancialAssets" xlink:label="element239" />
        <label xlink:type="resource" xlink:label="label239" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_ImpairmentLossOnFinancialAssets_en-US">Total impairment or reversal of impairment on financial assets not measured at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element239" xlink:to="label239" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill" xlink:label="element240" />
        <label xlink:type="resource" xlink:label="label240" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill_en-US">Impairment Loss Recognised In Profit Or Loss Goodwill</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element240" xlink:to="label240" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:label="element241" />
        <label xlink:type="resource" xlink:label="label241" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_en-US">Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element241" xlink:to="label241" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss" xlink:label="element242" />
        <label xlink:type="resource" xlink:label="label242" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss_en-US">Total impairment (reversal of impairment) of non-financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element242" xlink:to="label242" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncomeArisingFromInsuranceContracts" xlink:label="element243" />
        <label xlink:type="resource" xlink:label="label243" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncomeArisingFromInsuranceContracts_en-US">Income on insurance and reinsurance contracts (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element243" xlink:to="label243" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncomeStatementAbstract" xlink:label="element244" />
        <label xlink:type="resource" xlink:label="label244" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncomeStatementAbstract_en-US">Income Statement Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element244" xlink:to="label244" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncomeTaxExpenseContinuingOperations" xlink:label="element245" />
        <label xlink:type="resource" xlink:label="label245" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncomeTaxExpenseContinuingOperations_en-US">Tax expense or income related to profit or loss from continuing operation (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element245" xlink:to="label245" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss" xlink:label="element246" />
        <label xlink:type="resource" xlink:label="label246" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss_en-US">Income Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element246" xlink:to="label246" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss" xlink:label="element247" />
        <label xlink:type="resource" xlink:label="label247" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss_en-US">Income tax related to items not subject to reclassification to income statement</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element247" xlink:to="label247" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities" xlink:label="element248" />
        <label xlink:type="resource" xlink:label="label248" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities_en-US">Collection/Payments for income Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element248" xlink:to="label248" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseInCashAndCashEquivalents" xlink:label="element249" />
        <label xlink:type="resource" xlink:label="label249" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents_en-US">NET INCREASE/DECEASE IN CASH OR CASH EQUIVALENTS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element249" xlink:to="label249" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseInFinancialAssets" xlink:label="element250" />
        <label xlink:type="resource" xlink:label="label250" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseInFinancialAssets_en-US">Net Additions Of Impaired Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element250" xlink:to="label250" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract" xlink:label="element251" />
        <label xlink:type="resource" xlink:label="label251" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract_en-US">Increase Decrease In Financial Assets Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element251" xlink:to="label251" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary" xlink:label="element252" />
        <label xlink:type="resource" xlink:label="label252" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary_en-US">Increase/Reduction of equity due to business combinations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element252" xlink:to="label252" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments" xlink:label="element253" />
        <label xlink:type="resource" xlink:label="label253" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments_en-US">Conversion of debt on equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element253" xlink:to="label253" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets" xlink:label="element254" />
        <label xlink:type="resource" xlink:label="label254" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets_en-US">Increase Decrease Through Foreign Exchange And Other Movements Financial Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element254" xlink:to="label254" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill" xlink:label="element255" />
        <label xlink:type="resource" xlink:label="label255" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill_en-US">Increase Decrease Through Net Exchange Differences Goodwill</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element255" xlink:to="label255" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners" xlink:label="element256" />
        <label xlink:type="resource" xlink:label="label256" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners_en-US">Common Stock reduction</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element256" xlink:to="label256" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions" xlink:label="element257" />
        <label xlink:type="resource" xlink:label="label257" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions_en-US">Share based payments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element257" xlink:to="label257" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners" xlink:label="element258" />
        <label xlink:type="resource" xlink:label="label258" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners_en-US">Transfers between total equity entries</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element258" xlink:to="label258" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity" xlink:label="element259" />
        <label xlink:type="resource" xlink:label="label259" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity_en-US">Other increases or (-) decreases in equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element259" xlink:to="label259" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill" xlink:label="element260" />
        <label xlink:type="resource" xlink:label="label260" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill_en-US">Increase Decrease Through Transfers And Other Changes Goodwill</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element260" xlink:to="label260" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis" xlink:label="element261" />
        <label xlink:type="resource" xlink:label="label261" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis_en-US">Individual Assets Or Cash generating Units [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element261" xlink:to="label261" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IndividualAssetsOrCashgeneratingUnitsMember" xlink:label="element262" />
        <label xlink:type="resource" xlink:label="label262" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IndividualAssetsOrCashgeneratingUnitsMember_en-US">Individual Assets Or Cash Generating Units [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element262" xlink:to="label262" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InflowsOfCashFromInvestingActivities" xlink:label="element263" />
        <label xlink:type="resource" xlink:label="label263" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InflowsOfCashFromInvestingActivities_en-US">Disinvestments - INVESTING ACTIVITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element263" xlink:to="label263" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IntangibleAssetsAndGoodwill" xlink:label="element264" />
        <label xlink:type="resource" xlink:label="label264" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_IntangibleAssetsAndGoodwill_en-US">INTANGIBLE ASSETS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element264" xlink:to="label264" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IntangibleAssetsAndGoodwill" xlink:label="element265" />
        <label xlink:type="resource" xlink:label="label265" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_IntangibleAssetsAndGoodwill_en-US">Intangible Assets Balance at the end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element265" xlink:to="label265" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IntangibleAssetsAndGoodwill" xlink:label="element266" />
        <label xlink:type="resource" xlink:label="label266" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IntangibleAssetsAndGoodwill_en-US">Intangible Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element266" xlink:to="label266" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:label="element267" />
        <label xlink:type="resource" xlink:label="label267" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IntangibleAssetsOtherThanGoodwill_en-US">Other intangible assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element267" xlink:to="label267" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:label="element268" />
        <label xlink:type="resource" xlink:label="label268" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_IntangibleAssetsOtherThanGoodwill_en-US">Total Intangible Assets Other Than Goodwill At The Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element268" xlink:to="label268" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IntangibleAssetsOtherThanGoodwill" xlink:label="element269" />
        <label xlink:type="resource" xlink:label="label269" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_IntangibleAssetsOtherThanGoodwill_en-US">Total Intangible Assets Other Than Goodwill At The End</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element269" xlink:to="label269" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IntangibleAssetsOtherThanGoodwillMember" xlink:label="element270" />
        <label xlink:type="resource" xlink:label="label270" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IntangibleAssetsOtherThanGoodwillMember_en-US">Intangible Assets Other Than Goodwill Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element270" xlink:to="label270" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember" xlink:label="element271" />
        <label xlink:type="resource" xlink:label="label271" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember_en-US">Intangible Assets With Indefinite Useful Life Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element271" xlink:to="label271" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InterestExpense" xlink:label="element272" />
        <label xlink:type="resource" xlink:label="label272" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InterestExpense_en-US">Interest Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element272" xlink:to="label272" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InterestExpense" xlink:label="element273" />
        <label xlink:type="resource" xlink:label="label273" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_InterestExpense_en-US">Total Interest Expenses (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element273" xlink:to="label273" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InterestIncomeOnAvailableforsaleFinancialAssets" xlink:label="element274" />
        <label xlink:type="resource" xlink:label="label274" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InterestIncomeOnAvailableforsaleFinancialAssets_en-US">Available-for-sale financial assets(Interest Income)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element274" xlink:to="label274" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InterestRevenueExpense" xlink:label="element275" />
        <label xlink:type="resource" xlink:label="label275" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InterestRevenueExpense_en-US">NET INTEREST INCOME</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element275" xlink:to="label275" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Inventories" xlink:label="element276" />
        <label xlink:type="resource" xlink:label="label276" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Inventories_en-US">Inventories</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element276" xlink:to="label276" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Inventories" xlink:label="element277" />
        <label xlink:type="resource" xlink:label="label277" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_Inventories_en-US">Balance at the beginning. Inventories from distressed customers.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element277" xlink:to="label277" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Inventories" xlink:label="element278" />
        <label xlink:type="resource" xlink:label="label278" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_Inventories_en-US">Balance at the end. Inventories from distressed customers.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element278" xlink:to="label278" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Inventories" xlink:label="element279" />
        <label xlink:type="resource" xlink:label="label279" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_Inventories_en-US">Total Inventories</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element279" xlink:to="label279" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentProperty" xlink:label="element280" />
        <label xlink:type="resource" xlink:label="label280" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InvestmentProperty_en-US">Investment Property</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element280" xlink:to="label280" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentPropertyMember" xlink:label="element281" />
        <label xlink:type="resource" xlink:label="label281" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InvestmentPropertyMember_en-US">Investment Property Leased Out [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element281" xlink:to="label281" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInAssociates" xlink:label="element282" />
        <label xlink:type="resource" xlink:label="label282" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_InvestmentsInAssociates_en-US">Subtotal Associates Entities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element282" xlink:to="label282" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInAssociates" xlink:label="element283" />
        <label xlink:type="resource" xlink:label="label283" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InvestmentsInAssociates_en-US">Associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element283" xlink:to="label283" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInJointVentures" xlink:label="element284" />
        <label xlink:type="resource" xlink:label="label284" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_InvestmentsInJointVentures_en-US">Subtotal Joint Ventures</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element284" xlink:to="label284" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInJointVentures" xlink:label="element285" />
        <label xlink:type="resource" xlink:label="label285" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InvestmentsInJointVentures_en-US">Joint ventures</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element285" xlink:to="label285" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:label="element286" />
        <label xlink:type="resource" xlink:label="label286" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_en-US">Investments In Subsidiaries Joint Ventures And Associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element286" xlink:to="label286" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:label="element287" />
        <label xlink:type="resource" xlink:label="label287" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_en-US">Investments In Subsidiaries Joint Ventures And Associates At The Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element287" xlink:to="label287" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:label="element288" />
        <label xlink:type="resource" xlink:label="label288" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_en-US">Investments In Subsidiaries Joint Ventures And Associates At The End</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element288" xlink:to="label288" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates" xlink:label="element289" />
        <label xlink:type="resource" xlink:label="label289" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates_en-US">INVESTMENTS IN SUBSIDIARIES JOINT VENTURES AND ASSOCIATES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element289" xlink:to="label289" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract" xlink:label="element290" />
        <label xlink:type="resource" xlink:label="label290" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract_en-US">Investments in subsidiaries, joint ventures and associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element290" xlink:to="label290" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssueOfEquity" xlink:label="element291" />
        <label xlink:type="resource" xlink:label="label291" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IssueOfEquity_en-US">Issue Of Equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element291" xlink:to="label291" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssueOfEquity" xlink:label="element292" />
        <label xlink:type="resource" xlink:label="label292" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_IssueOfEquity_en-US">Issuances of common shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element292" xlink:to="label292" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssueOfEquity" xlink:label="element293" />
        <label xlink:type="resource" xlink:label="label293" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_IssueOfEquity_en-US">Common Stock At The End</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element293" xlink:to="label293" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssueOfEquity" xlink:label="element294" />
        <label xlink:type="resource" xlink:label="label294" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_IssueOfEquity_en-US">Common Stock At The Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element294" xlink:to="label294" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssuedCapital" xlink:label="element295" />
        <label xlink:type="resource" xlink:label="label295" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IssuedCapital_en-US">Capital (Capital base and capital management)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element295" xlink:to="label295" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssuedCapital" xlink:label="element296" />
        <label xlink:type="resource" xlink:label="label296" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_IssuedCapital_en-US">Capital</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element296" xlink:to="label296" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssuedCapital" xlink:label="element297" />
        <label xlink:type="resource" xlink:label="label297" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_IssuedCapital_en-US">Common Stock At The End</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element297" xlink:to="label297" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssuedCapital" xlink:label="element298" />
        <label xlink:type="resource" xlink:label="label298" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_IssuedCapital_en-US">Common Stock At The Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element298" xlink:to="label298" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_IssuedCapitalMember" xlink:label="element299" />
        <label xlink:type="resource" xlink:label="label299" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_IssuedCapitalMember_en-US">Capital</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element299" xlink:to="label299" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ItemsInCourseOfCollectionFromOtherBanks" xlink:label="element300" />
        <label xlink:type="resource" xlink:label="label300" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks_en-US">Transactions in progress (assets)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element300" xlink:to="label300" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ItemsInCourseOfTransmissionToOtherBanks" xlink:label="element301" />
        <label xlink:type="resource" xlink:label="label301" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks_en-US">Transactions in progress (liabilities)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element301" xlink:to="label301" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_KeyManagementPersonnelCompensation" xlink:label="element302" />
        <label xlink:type="resource" xlink:label="label302" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_KeyManagementPersonnelCompensation_en-US">Total Remuneration Non Executive Directors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element302" xlink:to="label302" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LandAndBuildingsMember" xlink:label="element303" />
        <label xlink:type="resource" xlink:label="label303" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LandAndBuildingsMember_en-US">Land And Buildings [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element303" xlink:to="label303" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LeaseLiabilitiesMember" xlink:label="element304" />
        <label xlink:type="resource" xlink:label="label304" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LeaseLiabilitiesMember_en-US">LiabilitiesForLease [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element304" xlink:to="label304" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LegalFormOfEntity" xlink:label="element305" />
        <label xlink:type="resource" xlink:label="label305" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LegalFormOfEntity_en-US">Legal Form Of Entity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element305" xlink:to="label305" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LegalProceedingsProvision" xlink:label="element306" />
        <label xlink:type="resource" xlink:label="label306" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_LegalProceedingsProvision_en-US">Pending legal issues and tax litigations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element306" xlink:to="label306" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LegalProceedingsProvision" xlink:label="element307" />
        <label xlink:type="resource" xlink:label="label307" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LegalProceedingsProvision_en-US">Provisions for taxes and other legal contingencies</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element307" xlink:to="label307" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Level1OfFairValueHierarchyMember" xlink:label="element308" />
        <label xlink:type="resource" xlink:label="label308" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Level1OfFairValueHierarchyMember_en-US">Level 1 Of Fair Value Hierarchy Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element308" xlink:to="label308" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Level2OfFairValueHierarchyMember" xlink:label="element309" />
        <label xlink:type="resource" xlink:label="label309" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Level2OfFairValueHierarchyMember_en-US">Level 2 Of Fair Value Hierarchy Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element309" xlink:to="label309" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Level3OfFairValueHierarchyMember" xlink:label="element310" />
        <label xlink:type="resource" xlink:label="label310" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Level3OfFairValueHierarchyMember_en-US">Level 3 Of Fair Value Hierarchy Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element310" xlink:to="label310" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LevelsOfFairValueHierarchyAxis" xlink:label="element311" />
        <label xlink:type="resource" xlink:label="label311" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LevelsOfFairValueHierarchyAxis_en-US">Levels Of Fair Value Hierarchy Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element311" xlink:to="label311" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Liabilities" xlink:label="element312" />
        <label xlink:type="resource" xlink:label="label312" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Liabilities_en-US">Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element312" xlink:to="label312" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Liabilities" xlink:label="element313" />
        <label xlink:type="resource" xlink:label="label313" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_Liabilities_en-US">TOTAL LIABILITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element313" xlink:to="label313" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Liabilities" xlink:label="element314" />
        <label xlink:type="resource" xlink:label="label314" xlink:role="http://www.xbrl.org/2003/role/positiveLabel" xml:lang="en-US" id="positive_ifrs-full_Liabilities_en-US">Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element314" xlink:to="label314" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Liabilities" xlink:label="element315" />
        <label xlink:type="resource" xlink:label="label315" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_Liabilities_en-US">Liabilities at the beginning of the period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element315" xlink:to="label315" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Liabilities" xlink:label="element316" />
        <label xlink:type="resource" xlink:label="label316" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_Liabilities_en-US">Liabilities at the end of the period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element316" xlink:to="label316" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Liabilities" xlink:label="element317" />
        <label xlink:type="resource" xlink:label="label317" xlink:role="http://www.xbrl.org/2009/role/netLabel" xml:lang="en-US" id="Net_ifrs-full_Liabilities_en-US">Liabilities Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element317" xlink:to="label317" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LiabilitiesAbstract" xlink:label="element318" />
        <label xlink:type="resource" xlink:label="label318" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LiabilitiesAbstract_en-US">Liabilities Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element318" xlink:to="label318" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LiabilitiesArisingFromInsuranceContracts" xlink:label="element319" />
        <label xlink:type="resource" xlink:label="label319" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_LiabilitiesArisingFromInsuranceContracts_en-US">Total Liabilities Under Reinsurance and Insurance Contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element319" xlink:to="label319" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LiabilitiesArisingFromInsuranceContracts" xlink:label="element320" />
        <label xlink:type="resource" xlink:label="label320" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LiabilitiesArisingFromInsuranceContracts_en-US">LIABILITIES UNDER INSURANCE CONTRACTS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element320" xlink:to="label320" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LiabilitiesDueToCentralBanks" xlink:label="element321" />
        <label xlink:type="resource" xlink:label="label321" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_LiabilitiesDueToCentralBanks_en-US">Deposits from credit institutions, at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element321" xlink:to="label321" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LiabilitiesDueToCentralBanks" xlink:label="element322" />
        <label xlink:type="resource" xlink:label="label322" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LiabilitiesDueToCentralBanks_en-US">Deposits from cental banks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element322" xlink:to="label322" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale" xlink:label="element323" />
        <label xlink:type="resource" xlink:label="label323" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale_en-US">LIABILITIES INCLUDED IN DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element323" xlink:to="label323" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LiabilitiesMember" xlink:label="element324" />
        <label xlink:type="resource" xlink:label="label324" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LiabilitiesMember_en-US">Liabilities Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element324" xlink:to="label324" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedAbstract" xlink:label="element325" />
        <label xlink:type="resource" xlink:label="label325" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedAbstract_en-US">Assets and Liabilities Under reinsurance and insurance contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element325" xlink:to="label325" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LoansAndAdvancesToBanks" xlink:label="element326" />
        <label xlink:type="resource" xlink:label="label326" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LoansAndAdvancesToBanks_en-US">Loans and advances to banks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element326" xlink:to="label326" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LoansAndAdvancesToCustomers" xlink:label="element327" />
        <label xlink:type="resource" xlink:label="label327" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LoansAndAdvancesToCustomers_en-US">Loans and Advances to customers</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element327" xlink:to="label327" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LoansAndReceivables" xlink:label="element328" />
        <label xlink:type="resource" xlink:label="label328" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LoansAndReceivables_en-US">Loans And Receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element328" xlink:to="label328" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_LossesOnDisposalsOfPropertyPlantAndEquipment" xlink:label="element329" />
        <label xlink:type="resource" xlink:label="label329" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_LossesOnDisposalsOfPropertyPlantAndEquipment_en-US">Losses On Disposals Of Property Plant And Equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element329" xlink:to="label329" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_MaximumExposureToCreditRisk" xlink:label="element330" />
        <label xlink:type="resource" xlink:label="label330" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_MaximumExposureToCreditRisk_en-US">Maximum Exposure To Credit Risk</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element330" xlink:to="label330" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_MiscellaneousOtherOperatingExpense" xlink:label="element331" />
        <label xlink:type="resource" xlink:label="label331" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_MiscellaneousOtherOperatingExpense_en-US">Rest of other operating expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element331" xlink:to="label331" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_MiscellaneousOtherOperatingIncome" xlink:label="element332" />
        <label xlink:type="resource" xlink:label="label332" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_MiscellaneousOtherOperatingIncome_en-US">Rest of other operating income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element332" xlink:to="label332" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification" xlink:label="element333" />
        <label xlink:type="resource" xlink:label="label333" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NameOfReportingEntityOrOtherMeansOfIdentification_en-US">Name of reporting entity or other means of identification</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element333" xlink:to="label333" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NameOfUltimateParentOfGroup" xlink:label="element334" />
        <label xlink:type="resource" xlink:label="label334" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NameOfUltimateParentOfGroup_en-US">Name of ultimate parent of group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element334" xlink:to="label334" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NoncontrollingInterests" xlink:label="element335" />
        <label xlink:type="resource" xlink:label="label335" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_NoncontrollingInterests_en-US">MINORITY INTERESTS (NON-CONTROLLING INTEREST)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element335" xlink:to="label335" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NoncontrollingInterests" xlink:label="element336" />
        <label xlink:type="resource" xlink:label="label336" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NoncontrollingInterests_en-US">Total Non-Controlling interests</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element336" xlink:to="label336" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NoncontrollingInterestsMember" xlink:label="element337" />
        <label xlink:type="resource" xlink:label="label337" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NoncontrollingInterestsMember_en-US">Non-Controlling interests- Valuation Adjustments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element337" xlink:to="label337" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:label="element338" />
        <label xlink:type="resource" xlink:label="label338" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_en-US">Non Current Assets Or Disposal Groups Clasified As Held For Sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element338" xlink:to="label338" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:label="element339" />
        <label xlink:type="resource" xlink:label="label339" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_en-US">Cost At The Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element339" xlink:to="label339" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale" xlink:label="element340" />
        <label xlink:type="resource" xlink:label="label340" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale_en-US">Cost At The End</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element340" xlink:to="label340" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract" xlink:label="element341" />
        <label xlink:type="resource" xlink:label="label341" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract_en-US">Non-current assets and disposal groups classified as held for sale Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element341" xlink:to="label341" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement" xlink:label="element342" />
        <label xlink:type="resource" xlink:label="label342" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement_en-US">Number Of Instruments Granted In Share based Payment Arrangement</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element342" xlink:to="label342" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NumberOfSharesIssued" xlink:label="element343" />
        <label xlink:type="resource" xlink:label="label343" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NumberOfSharesIssued_en-US">Number Of Shares Issued</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element343" xlink:to="label343" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_NumberOfSharesIssuedAndFullyPaid" xlink:label="element344" />
        <label xlink:type="resource" xlink:label="label344" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_NumberOfSharesIssuedAndFullyPaid_en-US">Number of shares issued and fully paid</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element344" xlink:to="label344" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OnDemandMember" xlink:label="element345" />
        <label xlink:type="resource" xlink:label="label345" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OnDemandMember_en-US">On demand [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element345" xlink:to="label345" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OrdinarySharesMember" xlink:label="element346" />
        <label xlink:type="resource" xlink:label="label346" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OrdinarySharesMember_en-US">Ordinary Shares Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element346" xlink:to="label346" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherAdjustmentsToReconcileProfitLoss" xlink:label="element347" />
        <label xlink:type="resource" xlink:label="label347" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherAdjustmentsToReconcileProfitLoss_en-US">Other adjustments - Cash Flows</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element347" xlink:to="label347" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherAssets" xlink:label="element348" />
        <label xlink:type="resource" xlink:label="label348" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherAssets_en-US">Other Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element348" xlink:to="label348" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherAssets" xlink:label="element349" />
        <label xlink:type="resource" xlink:label="label349" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_OtherAssets_en-US">OTHER ASSETS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element349" xlink:to="label349" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherComprehensiveIncome" xlink:label="element350" />
        <label xlink:type="resource" xlink:label="label350" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherComprehensiveIncome_en-US">OTHER RECOGNIZED INCOME (EXPENSES)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element350" xlink:to="label350" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges" xlink:label="element351" />
        <label xlink:type="resource" xlink:label="label351" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges_en-US">Cash Flow Hedges [effective portion]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element351" xlink:to="label351" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation" xlink:label="element352" />
        <label xlink:type="resource" xlink:label="label352" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation_en-US">Foreign currency translation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element352" xlink:to="label352" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations" xlink:label="element353" />
        <label xlink:type="resource" xlink:label="label353" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations_en-US">Hedge of net investments in foreign operations [effective portion]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element353" xlink:to="label353" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:label="element354" />
        <label xlink:type="resource" xlink:label="label354" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax_en-US">Items that may be reclassified to profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element354" xlink:to="label354" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax" xlink:label="element355" />
        <label xlink:type="resource" xlink:label="label355" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax_en-US">Items that will not be reclassified to profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element355" xlink:to="label355" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherEmployeeExpense" xlink:label="element356" />
        <label xlink:type="resource" xlink:label="label356" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherEmployeeExpense_en-US">Other Employee Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element356" xlink:to="label356" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherEquityInterest" xlink:label="element357" />
        <label xlink:type="resource" xlink:label="label357" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherEquityInterest_en-US">Other Equity ( Capital base and management)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element357" xlink:to="label357" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherEquityInterestMember" xlink:label="element358" />
        <label xlink:type="resource" xlink:label="label358" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherEquityInterestMember_en-US">Other Equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element358" xlink:to="label358" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherExpenseByNature" xlink:label="element359" />
        <label xlink:type="resource" xlink:label="label359" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherExpenseByNature_en-US">Other Expense By Nature</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element359" xlink:to="label359" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherFeeAndCommissionExpense" xlink:label="element360" />
        <label xlink:type="resource" xlink:label="label360" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherFeeAndCommissionExpense_en-US">Other fee and commissions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element360" xlink:to="label360" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherFeeAndCommissionIncome" xlink:label="element361" />
        <label xlink:type="resource" xlink:label="label361" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherFeeAndCommissionIncome_en-US">Other fee and commission income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element361" xlink:to="label361" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherFinancialAssets" xlink:label="element362" />
        <label xlink:type="resource" xlink:label="label362" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_OtherFinancialAssets_en-US">Other financial assets at the beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element362" xlink:to="label362" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherFinancialAssets" xlink:label="element363" />
        <label xlink:type="resource" xlink:label="label363" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherFinancialAssets_en-US">Other financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element363" xlink:to="label363" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherFinancialAssets" xlink:label="element364" />
        <label xlink:type="resource" xlink:label="label364" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_OtherFinancialAssets_en-US">Other financial assets at the end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element364" xlink:to="label364" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherFinancialLiabilities" xlink:label="element365" />
        <label xlink:type="resource" xlink:label="label365" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherFinancialLiabilities_en-US">Other financial liabilities, at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element365" xlink:to="label365" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherFinancialLiabilities" xlink:label="element366" />
        <label xlink:type="resource" xlink:label="label366" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_OtherFinancialLiabilities_en-US">Total other financial liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element366" xlink:to="label366" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities" xlink:label="element367" />
        <label xlink:type="resource" xlink:label="label367" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities_en-US">Investments - Other settlements related to investing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element367" xlink:to="label367" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherIntangibleAssetsMember" xlink:label="element368" />
        <label xlink:type="resource" xlink:label="label368" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherIntangibleAssetsMember_en-US">Intangible Assets [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element368" xlink:to="label368" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherLiabilities" xlink:label="element369" />
        <label xlink:type="resource" xlink:label="label369" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherLiabilities_en-US">OTHER LIABILITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element369" xlink:to="label369" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherLiabilities" xlink:label="element370" />
        <label xlink:type="resource" xlink:label="label370" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_OtherLiabilities_en-US">Total OTHER LIABILITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element370" xlink:to="label370" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherProvisions" xlink:label="element371" />
        <label xlink:type="resource" xlink:label="label371" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherProvisions_en-US">Other Provisions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element371" xlink:to="label371" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherReserves" xlink:label="element372" />
        <label xlink:type="resource" xlink:label="label372" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherReserves_en-US">Other Reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element372" xlink:to="label372" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherReserves" xlink:label="element373" />
        <label xlink:type="resource" xlink:label="label373" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_OtherReserves_en-US">Total Other Reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element373" xlink:to="label373" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OtherReservesMember" xlink:label="element374" />
        <label xlink:type="resource" xlink:label="label374" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OtherReservesMember_en-US">Other reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element374" xlink:to="label374" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_OutflowsOfCashFromInvestingActivities" xlink:label="element375" />
        <label xlink:type="resource" xlink:label="label375" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_OutflowsOfCashFromInvestingActivities_en-US">Investments - INVESTING ACTIVITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element375" xlink:to="label375" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_PortfolioAndOtherManagementFeeIncome" xlink:label="element376" />
        <label xlink:type="resource" xlink:label="label376" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_PortfolioAndOtherManagementFeeIncome_en-US">Asset Management</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element376" xlink:to="label376" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans" xlink:label="element377" />
        <label xlink:type="resource" xlink:label="label377" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans_en-US">Defined benefit plans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element377" xlink:to="label377" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations" xlink:label="element378" />
        <label xlink:type="resource" xlink:label="label378" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations_en-US">Disinvestments - Non current assets held for sale and associated liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element378" xlink:to="label378" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities" xlink:label="element379" />
        <label xlink:type="resource" xlink:label="label379" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities_en-US">Subordinated liabilities (Disinvestments)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element379" xlink:to="label379" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:label="element380" />
        <label xlink:type="resource" xlink:label="label380" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities_en-US">Disinvestments - Intangible assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element380" xlink:to="label380" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod" xlink:label="element381" />
        <label xlink:type="resource" xlink:label="label381" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod_en-US">Disinvestments - Investments in joint ventures and associatess, subsidiaries and other Business units</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element381" xlink:to="label381" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities" xlink:label="element382" />
        <label xlink:type="resource" xlink:label="label382" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities_en-US">Disinvestments - Tangible assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element382" xlink:to="label382" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProfitLoss" xlink:label="element383" />
        <label xlink:type="resource" xlink:label="label383" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_ProfitLoss_en-US">Total Profit</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element383" xlink:to="label383" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProfitLoss" xlink:label="element384" />
        <label xlink:type="resource" xlink:label="label384" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProfitLoss_en-US">Profit</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element384" xlink:to="label384" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProfitLossAttributableToNoncontrollingInterests" xlink:label="element385" />
        <label xlink:type="resource" xlink:label="label385" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProfitLossAttributableToNoncontrollingInterests_en-US">Profit Loss Attributable To Non controlling Interests</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element385" xlink:to="label385" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProfitLossAttributableToOwnersOfParent" xlink:label="element386" />
        <label xlink:type="resource" xlink:label="label386" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProfitLossAttributableToOwnersOfParent_en-US">Profit or loss attributable to owners of the parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element386" xlink:to="label386" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProfitLossBeforeTax" xlink:label="element387" />
        <label xlink:type="resource" xlink:label="label387" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProfitLossBeforeTax_en-US">Operating Profit Before Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element387" xlink:to="label387" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProfitLossFromContinuingOperations" xlink:label="element388" />
        <label xlink:type="resource" xlink:label="label388" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProfitLossFromContinuingOperations_en-US">PROFIT FROM CONTINUING OPERATIONS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element388" xlink:to="label388" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProfitLossFromDiscontinuedOperations" xlink:label="element389" />
        <label xlink:type="resource" xlink:label="label389" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProfitLossFromDiscontinuedOperations_en-US">Profit from discontinued operations net (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element389" xlink:to="label389" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProfitLossFromOperatingActivities" xlink:label="element390" />
        <label xlink:type="resource" xlink:label="label390" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProfitLossFromOperatingActivities_en-US">NET OPERATING INCOME</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element390" xlink:to="label390" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_PropertyPlantAndEquipment" xlink:label="element391" />
        <label xlink:type="resource" xlink:label="label391" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_PropertyPlantAndEquipment_en-US">Property, plant and equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element391" xlink:to="label391" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_PropertyPlantAndEquipment" xlink:label="element392" />
        <label xlink:type="resource" xlink:label="label392" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_PropertyPlantAndEquipment_en-US">Total Property, plant and equipment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element392" xlink:to="label392" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Provisions" xlink:label="element393" />
        <label xlink:type="resource" xlink:label="label393" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_Provisions_en-US">PROVISIONS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element393" xlink:to="label393" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_Provisions" xlink:label="element394" />
        <label xlink:type="resource" xlink:label="label394" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_Provisions_en-US">Provisions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element394" xlink:to="label394" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProvisionsAbstract" xlink:label="element395" />
        <label xlink:type="resource" xlink:label="label395" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProvisionsAbstract_en-US">Provisions or reversal of provisions Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element395" xlink:to="label395" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProvisionsForEmployeeBenefits" xlink:label="element396" />
        <label xlink:type="resource" xlink:label="label396" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ProvisionsForEmployeeBenefits_en-US">Pensions and other post employment defined Benefit Obligations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element396" xlink:to="label396" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProvisionsForEmployeeBenefits" xlink:label="element397" />
        <label xlink:type="resource" xlink:label="label397" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_ProvisionsForEmployeeBenefits_en-US">Pensions and other post employment at the beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element397" xlink:to="label397" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ProvisionsForEmployeeBenefits" xlink:label="element398" />
        <label xlink:type="resource" xlink:label="label398" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_ProvisionsForEmployeeBenefits_en-US">Pensions and other post employment at the end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element398" xlink:to="label398" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities" xlink:label="element399" />
        <label xlink:type="resource" xlink:label="label399" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities_en-US">Investments - Intangible assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element399" xlink:to="label399" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod" xlink:label="element400" />
        <label xlink:type="resource" xlink:label="label400" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod_en-US">Investments - Investments in joint ventures and associatess, subsidiaries and other Business units</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element400" xlink:to="label400" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_PurchaseOfTreasuryShares" xlink:label="element401" />
        <label xlink:type="resource" xlink:label="label401" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_PurchaseOfTreasuryShares_en-US">Purchase of treasury shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element401" xlink:to="label401" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax" xlink:label="element402" />
        <label xlink:type="resource" xlink:label="label402" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax_en-US">Cash Flow Hedges [effective portion] - Transferred to profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element402" xlink:to="label402" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax" xlink:label="element403" />
        <label xlink:type="resource" xlink:label="label403" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax_en-US">Foreign currency translation - Transferred to profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element403" xlink:to="label403" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax" xlink:label="element404" />
        <label xlink:type="resource" xlink:label="label404" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax_en-US">Hedge of net investments in foreign operations [effective portion] - Transferred to profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element404" xlink:to="label404" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit" xlink:label="element405" />
        <label xlink:type="resource" xlink:label="label405" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit_en-US">Discount rates applied to cash flow projections percentage</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element405" xlink:to="label405" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RelatedPartiesMember" xlink:label="element406" />
        <label xlink:type="resource" xlink:label="label406" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_RelatedPartiesMember_en-US">Categories Of Related Parties Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element406" xlink:to="label406" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RelatedPartyTransactionsAbstract" xlink:label="element407" />
        <label xlink:type="resource" xlink:label="label407" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_RelatedPartyTransactionsAbstract_en-US">Related Party Transactions Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element407" xlink:to="label407" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RepaymentsOfSubordinatedLiabilities" xlink:label="element408" />
        <label xlink:type="resource" xlink:label="label408" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_RepaymentsOfSubordinatedLiabilities_en-US">Subordinated liabilities (Investments)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element408" xlink:to="label408" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RetainedEarningsMember" xlink:label="element410" />
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RevaluationSurplus" xlink:label="element411" />
        <label xlink:type="resource" xlink:label="label411" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_RevaluationSurplus_en-US">Revaluation Reserves</label>
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RevaluationSurplusMember" xlink:label="element412" />
        <label xlink:type="resource" xlink:label="label412" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_RevaluationSurplusMember_en-US">Revaluation reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element412" xlink:to="label412" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RevenueFromDividends" xlink:label="element413" />
        <label xlink:type="resource" xlink:label="label413" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_RevenueFromDividends_en-US">Total dividend income</label>
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RevenueFromDividends" xlink:label="element414" />
        <label xlink:type="resource" xlink:label="label414" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_RevenueFromDividends_en-US">Dividend income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element414" xlink:to="label414" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RevenueFromInterest" xlink:label="element415" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element415" xlink:to="label415" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RevenueFromInterest" xlink:label="element416" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element416" xlink:to="label416" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_RightsPreferencesAndRestrictionsAttachingToClassOfShareCapital" xlink:label="element417" />
        <label xlink:type="resource" xlink:label="label417" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_RightsPreferencesAndRestrictionsAttachingToClassOfShareCapital_en-US">Rights Preferences And Restrictions Attaching To Class Of Share Capital</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element417" xlink:to="label417" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_SaleOrIssueOfTreasuryShares" xlink:label="element418" />
        <label xlink:type="resource" xlink:label="label418" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_SaleOrIssueOfTreasuryShares_en-US">Sale or cancellation of treasury shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element418" xlink:to="label418" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_SegmentsAxis" xlink:label="element419" />
        <label xlink:type="resource" xlink:label="label419" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_SegmentsAxis_en-US">Segments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element419" xlink:to="label419" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax" xlink:label="element420" />
        <label xlink:type="resource" xlink:label="label420" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax_en-US">Share of other recognised income and expense of investments in subsidaries, joint ventures and associates</label>
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax" xlink:label="element421" />
        <label xlink:type="resource" xlink:label="label421" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax_en-US">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will not be reclassifies to profit or loss before tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element421" xlink:to="label421" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:label="element422" />
        <label xlink:type="resource" xlink:label="label422" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_en-US">Total investments in entities accounted for using the equity method</label>
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        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod" xlink:label="element423" />
        <label xlink:type="resource" xlink:label="label423" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod_en-US">investments in entities accounted for using the equity method</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element423" xlink:to="label423" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethodAbstract" xlink:label="element424" />
        <label xlink:type="resource" xlink:label="label424" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethodAbstract_en-US">Share of profit or loss of entities accounted for using the equity method</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element424" xlink:to="label424" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_SharePremium" xlink:label="element425" />
        <label xlink:type="resource" xlink:label="label425" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_SharePremium_en-US">Share Premium</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element425" xlink:to="label425" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_SharePremiumMember" xlink:label="element426" />
        <label xlink:type="resource" xlink:label="label426" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_SharePremiumMember_en-US">Share premium (*)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element426" xlink:to="label426" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_SocialSecurityContributions" xlink:label="element427" />
        <label xlink:type="resource" xlink:label="label427" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_SocialSecurityContributions_en-US">Social Security Contributions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element427" xlink:to="label427" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_StatementOfCashFlowsAbstract" xlink:label="element428" />
        <label xlink:type="resource" xlink:label="label428" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_StatementOfCashFlowsAbstract_en-US">Consolidated statements of cash flows</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element428" xlink:to="label428" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_StatementOfChangesInEquityAbstract" xlink:label="element429" />
        <label xlink:type="resource" xlink:label="label429" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_StatementOfChangesInEquityAbstract_en-US">Statement of changes in equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element429" xlink:to="label429" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_StatementOfChangesInEquityLineItems" xlink:label="element430" />
        <label xlink:type="resource" xlink:label="label430" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_StatementOfChangesInEquityLineItems_en-US">Changes in equity Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element430" xlink:to="label430" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_StatementOfChangesInEquityTable" xlink:label="element431" />
        <label xlink:type="resource" xlink:label="label431" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_StatementOfChangesInEquityTable_en-US">Statements of changes in equity Table</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element431" xlink:to="label431" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_StatementOfComprehensiveIncomeAbstract" xlink:label="element432" />
        <label xlink:type="resource" xlink:label="label432" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_StatementOfComprehensiveIncomeAbstract_en-US">Consolidated statements of recognized income and expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element432" xlink:to="label432" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_StatementOfFinancialPositionAbstract" xlink:label="element433" />
        <label xlink:type="resource" xlink:label="label433" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_StatementOfFinancialPositionAbstract_en-US">Consolidated balance sheets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element433" xlink:to="label433" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_StatementOfIFRSCompliance" xlink:label="element434" />
        <label xlink:type="resource" xlink:label="label434" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_StatementOfIFRSCompliance_en-US">Statement of IFRS compliance [text block]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element434" xlink:to="label434" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_TradeReceivablesMember" xlink:label="element435" />
        <label xlink:type="resource" xlink:label="label435" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_TradeReceivablesMember_en-US">Trade Receivables [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element435" xlink:to="label435" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_TreasuryShares" xlink:label="element436" />
        <label xlink:type="resource" xlink:label="label436" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_TreasuryShares_en-US">Less Treasury shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element436" xlink:to="label436" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_TreasuryShares" xlink:label="element437" />
        <label xlink:type="resource" xlink:label="label437" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_ifrs-full_TreasuryShares_en-US">Treasury shares Balance at beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element437" xlink:to="label437" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_TreasuryShares" xlink:label="element438" />
        <label xlink:type="resource" xlink:label="label438" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_ifrs-full_TreasuryShares_en-US">Treasury shares Balance at the end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element438" xlink:to="label438" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_TreasuryShares" xlink:label="element439" />
        <label xlink:type="resource" xlink:label="label439" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_ifrs-full_TreasuryShares_en-US">TOTAL EQUITY</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element439" xlink:to="label439" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_TreasurySharesMember" xlink:label="element440" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element440" xlink:to="label440" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_TypesOfCustomersAxis" xlink:label="element441" />
        <label xlink:type="resource" xlink:label="label441" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_TypesOfCustomersAxis_en-US">Customer</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element441" xlink:to="label441" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_TypesOfCustomersMember" xlink:label="element442" />
        <label xlink:type="resource" xlink:label="label442" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_TypesOfCustomersMember_en-US">Types Of Customers Domain</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element442" xlink:to="label442" />
        <loc xlink:type="locator" xlink:href="http://xbrl.ifrs.org/taxonomy/2019-03-27/full_ifrs/full_ifrs-cor_2019-03-27.xsd#ifrs-full_WagesAndSalaries" xlink:label="element443" />
        <label xlink:type="resource" xlink:label="label443" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_ifrs-full_WagesAndSalaries_en-US">Wages And Salaries</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element443" xlink:to="label443" />
        <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd#srt_PresidentMember" xlink:label="element444" />
        <label xlink:type="resource" xlink:label="label444" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_srt_PresidentMember_en-US">President</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element444" xlink:to="label444" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostabstract" xlink:label="element445" />
        <label xlink:type="resource" xlink:label="label445" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostabstract_en-US">Cash, Cash balances at central banks and other demand deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element445" xlink:to="label445" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsandliabilitiesheldfortradingAbstract" xlink:label="element446" />
        <label xlink:type="resource" xlink:label="label446" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsandliabilitiesheldfortradingAbstract_en-US">Financial assets and liabilities held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element446" xlink:to="label446" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shortpositionsfinancialliabilitiesheldfortrading" xlink:label="element447" />
        <label xlink:type="resource" xlink:label="label447" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Shortpositionsfinancialliabilitiesheldfortrading_en-US">Short positions, held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element447" xlink:to="label447" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shortpositionsfinancialliabilitiesheldfortrading" xlink:label="element448" />
        <label xlink:type="resource" xlink:label="label448" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Shortpositionsfinancialliabilitiesheldfortrading_en-US">The amount of short positions of financial liabilities held for trading. [Refer: Financial liabilities; Financial liabilities at fair value through profit or loss, classified as held for trading]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element448" xlink:to="label448" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherMember" xlink:label="element449" />
        <label xlink:type="resource" xlink:label="label449" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherMember_en-US">Other [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element449" xlink:to="label449" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsandliabilitiesheldfortrading" xlink:label="element450" />
        <label xlink:type="resource" xlink:label="label450" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialassetsandliabilitiesheldfortrading_en-US">Financial assets and liabilities held for traiding</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element450" xlink:to="label450" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsandliabilitiesheldfortrading" xlink:label="element451" />
        <label xlink:type="resource" xlink:label="label451" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Financialassetsandliabilitiesheldfortrading_en-US">Table which displays the financial assets and liabilities held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element451" xlink:to="label451" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoffinancialassetsandliabilitiesdesignatedatfairvaluethroughprofitorlossabstract" xlink:label="element452" />
        <label xlink:type="resource" xlink:label="label452" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureoffinancialassetsandliabilitiesdesignatedatfairvaluethroughprofitorlossabstract_en-US">Financial assets and liabilities designated at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element452" xlink:to="label452" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory" xlink:label="element453" />
        <label xlink:type="resource" xlink:label="label453" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory_en-US">Financial assets at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element453" xlink:to="label453" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory" xlink:label="element454" />
        <label xlink:type="resource" xlink:label="label454" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory_en-US">Text Block which displays the disclosure of financial assets at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element454" xlink:to="label454" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotaldebtinstrumentsavailableforsale" xlink:label="element455" />
        <label xlink:type="resource" xlink:label="label455" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Subtotaldebtinstrumentsavailableforsale_en-US">Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element455" xlink:to="label455" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotaldebtinstrumentsavailableforsale" xlink:label="element456" />
        <label xlink:type="resource" xlink:label="label456" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Subtotaldebtinstrumentsavailableforsale_en-US">Subtotal Debt securities, available-for-sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element456" xlink:to="label456" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotaldebtinstrumentsavailableforsale" xlink:label="element457" />
        <label xlink:type="resource" xlink:label="label457" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Subtotaldebtinstrumentsavailableforsale_en-US">The amount of debt instruments held, categorize as available for sale, gross value.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element457" xlink:to="label457" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalequityinstrumentsavailableforsale" xlink:label="element458" />
        <label xlink:type="resource" xlink:label="label458" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Subtotalequityinstrumentsavailableforsale_en-US">Subtotal of equity instruments available for sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element458" xlink:to="label458" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalequityinstrumentsavailableforsale" xlink:label="element459" />
        <label xlink:type="resource" xlink:label="label459" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Subtotalequityinstrumentsavailableforsale_en-US">Fair Value Equity instruments, available-for-sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element459" xlink:to="label459" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalequityinstrumentsavailableforsale" xlink:label="element460" />
        <label xlink:type="resource" xlink:label="label460" xlink:role="http://www.xbrl.org/2003/role/positiveLabel" xml:lang="en-US" id="positive_bbva_Subtotalequityinstrumentsavailableforsale_en-US">Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element460" xlink:to="label460" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalequityinstrumentsavailableforsale" xlink:label="element461" />
        <label xlink:type="resource" xlink:label="label461" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Subtotalequityinstrumentsavailableforsale_en-US">The amount of equity instruments held, categorize as available for sale, net carrying value.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element461" xlink:to="label461" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GeographydepositsfrombanksDomain" xlink:label="element462" />
        <label xlink:type="resource" xlink:label="label462" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GeographydepositsfrombanksDomain_en-US">Geography Of Deposits From Banks [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element462" xlink:to="label462" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IssuedinEurosMember" xlink:label="element463" />
        <label xlink:type="resource" xlink:label="label463" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IssuedinEurosMember_en-US">Issued in Euros [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element463" xlink:to="label463" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherCountriesMember" xlink:label="element464" />
        <label xlink:type="resource" xlink:label="label464" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherCountriesMember_en-US">Other countries [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element464" xlink:to="label464" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalforeignMember" xlink:label="element465" />
        <label xlink:type="resource" xlink:label="label465" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalforeignMember_en-US">Total foreign [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element465" xlink:to="label465" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotaldomesticforeignMember" xlink:label="element466" />
        <label xlink:type="resource" xlink:label="label466" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotaldomesticforeignMember_en-US">Total Domestic Foreign [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element466" xlink:to="label466" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotaldomesticMember" xlink:label="element467" />
        <label xlink:type="resource" xlink:label="label467" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotaldomesticMember_en-US">Total domestic [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element467" xlink:to="label467" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets" xlink:label="element468" />
        <label xlink:type="resource" xlink:label="label468" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets_en-US">Amortized cost debt securities available for sale financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element468" xlink:to="label468" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets" xlink:label="element469" />
        <label xlink:type="resource" xlink:label="label469" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets_en-US">The amount of debt securities available for sale held by the Entity, valued at amortized cost.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element469" xlink:to="label469" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditinstitutionsMember" xlink:label="element470" />
        <label xlink:type="resource" xlink:label="label470" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditinstitutionsMember_en-US">Credit Institutions [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element470" xlink:to="label470" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestocentralbanks" xlink:label="element471" />
        <label xlink:type="resource" xlink:label="label471" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancestocentralbanks_en-US">Loans and advances to central banks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element471" xlink:to="label471" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestocentralbanks" xlink:label="element472" />
        <label xlink:type="resource" xlink:label="label472" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancestocentralbanks_en-US">The amount of loans outstanding with Central Banks.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element472" xlink:to="label472" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory" xlink:label="element473" />
        <label xlink:type="resource" xlink:label="label473" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory_en-US">Disclosure of gains or losses on financial assets and liabilities and exchange differences</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element473" xlink:to="label473" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory" xlink:label="element474" />
        <label xlink:type="resource" xlink:label="label474" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory_en-US">Text Block which displays the disclosure of gains or losses on financial assets and liabilities and exchanges differences</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element474" xlink:to="label474" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument" xlink:label="element475" />
        <label xlink:type="resource" xlink:label="label475" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument_en-US">Gains or losses on financial assets and liabilities. Breakdown by nature of the Financial Instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element475" xlink:to="label475" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument" xlink:label="element476" />
        <label xlink:type="resource" xlink:label="label476" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument_en-US">Table which displays the gains or losses on financial assets and liabilities, Breakdown by nature of the financial instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element476" xlink:to="label476" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureFeeAndCommissionIncomeExplanatory" xlink:label="element477" />
        <label xlink:type="resource" xlink:label="label477" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureFeeAndCommissionIncomeExplanatory_en-US">Fee and Commission Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element477" xlink:to="label477" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureFeeAndCommissionIncomeExplanatory" xlink:label="element478" />
        <label xlink:type="resource" xlink:label="label478" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_DisclosureFeeAndCommissionIncomeExplanatory_en-US">Table which displays the fee and comission income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element478" xlink:to="label478" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureFeeAndCommissionExpenseExplanatory" xlink:label="element479" />
        <label xlink:type="resource" xlink:label="label479" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureFeeAndCommissionExpenseExplanatory_en-US">Fee and Commission Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element479" xlink:to="label479" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureFeeAndCommissionExpenseExplanatory" xlink:label="element480" />
        <label xlink:type="resource" xlink:label="label480" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_DisclosureFeeAndCommissionExpenseExplanatory_en-US">Table which displays the fee and comission expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element480" xlink:to="label480" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditAndDebitCardsFeeIncome" xlink:label="element481" />
        <label xlink:type="resource" xlink:label="label481" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditAndDebitCardsFeeIncome_en-US">Credit and Debit Cards</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element481" xlink:to="label481" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditAndDebitCardsFeeIncome" xlink:label="element482" />
        <label xlink:type="resource" xlink:label="label482" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_CreditAndDebitCardsFeeIncome_en-US">The amount of fee income associated to credit and debit cards.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element482" xlink:to="label482" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TransfersandotherpaymentordersFeeIncome" xlink:label="element483" />
        <label xlink:type="resource" xlink:label="label483" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TransfersandotherpaymentordersFeeIncome_en-US">Transfers and other payment orders Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element483" xlink:to="label483" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TransfersandotherpaymentordersFeeIncome" xlink:label="element484" />
        <label xlink:type="resource" xlink:label="label484" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_TransfersandotherpaymentordersFeeIncome_en-US">The amount of fee income associated to transfers and other payments.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element484" xlink:to="label484" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ChecksFeeIncome" xlink:label="element485" />
        <label xlink:type="resource" xlink:label="label485" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ChecksFeeIncome_en-US">Checks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element485" xlink:to="label485" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ChecksFeeIncome" xlink:label="element486" />
        <label xlink:type="resource" xlink:label="label486" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_ChecksFeeIncome_en-US">The amount of fee income associated to checks.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element486" xlink:to="label486" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_InsuranceProductCommissionsFeeIncome" xlink:label="element487" />
        <label xlink:type="resource" xlink:label="label487" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_InsuranceProductCommissionsFeeIncome_en-US">Insurance product commissions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element487" xlink:to="label487" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_InsuranceProductCommissionsFeeIncome" xlink:label="element488" />
        <label xlink:type="resource" xlink:label="label488" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_InsuranceProductCommissionsFeeIncome_en-US">The amount of fee income associated to insurance products.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element488" xlink:to="label488" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CustodySecuritiesFeeIncome" xlink:label="element489" />
        <label xlink:type="resource" xlink:label="label489" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CustodySecuritiesFeeIncome_en-US">Custody securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element489" xlink:to="label489" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CustodySecuritiesFeeIncome" xlink:label="element490" />
        <label xlink:type="resource" xlink:label="label490" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_CustodySecuritiesFeeIncome_en-US">The amount of fee income associated to securities custody services.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element490" xlink:to="label490" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BillsReceivablesFeeIncome" xlink:label="element491" />
        <label xlink:type="resource" xlink:label="label491" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BillsReceivablesFeeIncome_en-US">Bills receivables</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element491" xlink:to="label491" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BillsReceivablesFeeIncome" xlink:label="element492" />
        <label xlink:type="resource" xlink:label="label492" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_BillsReceivablesFeeIncome_en-US">The amount of fee income associated to bills receivables.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element492" xlink:to="label492" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Creditanddebitcardsfeeexpense" xlink:label="element493" />
        <label xlink:type="resource" xlink:label="label493" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Creditanddebitcardsfeeexpense_en-US">Credit and debit cards</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element493" xlink:to="label493" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Creditanddebitcardsfeeexpense" xlink:label="element494" />
        <label xlink:type="resource" xlink:label="label494" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Creditanddebitcardsfeeexpense_en-US">The amount of fee expense associated to credit and debit cards.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element494" xlink:to="label494" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Transfersandotherpaymentordersfeeexpense" xlink:label="element495" />
        <label xlink:type="resource" xlink:label="label495" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Transfersandotherpaymentordersfeeexpense_en-US">Transfers and other payment orders Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element495" xlink:to="label495" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Transfersandotherpaymentordersfeeexpense" xlink:label="element496" />
        <label xlink:type="resource" xlink:label="label496" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Transfersandotherpaymentordersfeeexpense_en-US">The amount of fee expense associated to transfers and other payments.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element496" xlink:to="label496" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Commissionsforsellinginsurancefeeexpense" xlink:label="element497" />
        <label xlink:type="resource" xlink:label="label497" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Commissionsforsellinginsurancefeeexpense_en-US">Commissions for selling insurance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element497" xlink:to="label497" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Commissionsforsellinginsurancefeeexpense" xlink:label="element498" />
        <label xlink:type="resource" xlink:label="label498" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Commissionsforsellinginsurancefeeexpense_en-US">The amount of fee expense associated to insurance products.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element498" xlink:to="label498" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingIncomeExpenseAbstract" xlink:label="element499" />
        <label xlink:type="resource" xlink:label="label499" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherOperatingIncomeExpenseAbstract_en-US">Other Operating Income and Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element499" xlink:to="label499" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingIncomeExpenseAbstract" xlink:label="element500" />
        <label xlink:type="resource" xlink:label="label500" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_OtherOperatingIncomeExpenseAbstract_en-US">The amount of income related to other sources of operating actvities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element500" xlink:to="label500" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingIncomeExplanatory" xlink:label="element501" />
        <label xlink:type="resource" xlink:label="label501" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherOperatingIncomeExplanatory_en-US">Other Operating Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element501" xlink:to="label501" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingIncomeExplanatory" xlink:label="element502" />
        <label xlink:type="resource" xlink:label="label502" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_OtherOperatingIncomeExplanatory_en-US">Table which displays the other operating income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element502" xlink:to="label502" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingExpenseExplanatory" xlink:label="element503" />
        <label xlink:type="resource" xlink:label="label503" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherOperatingExpenseExplanatory_en-US">Other Operating Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element503" xlink:to="label503" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingExpenseExplanatory" xlink:label="element504" />
        <label xlink:type="resource" xlink:label="label504" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_OtherOperatingExpenseExplanatory_en-US">Table which displays the other operating expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element504" xlink:to="label504" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialIncomeFromNon-FinancialServices" xlink:label="element505" />
        <label xlink:type="resource" xlink:label="label505" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialIncomeFromNon-FinancialServices_en-US">Financial income from non-financial services</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element505" xlink:to="label505" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialIncomeFromNon-FinancialServices" xlink:label="element506" />
        <label xlink:type="resource" xlink:label="label506" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_FinancialIncomeFromNon-FinancialServices_en-US">The amount of income associated to non-financial services</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element506" xlink:to="label506" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingIncome" xlink:label="element507" />
        <label xlink:type="resource" xlink:label="label507" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherOperatingIncome_en-US">Other operating income (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element507" xlink:to="label507" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingIncome" xlink:label="element508" />
        <label xlink:type="resource" xlink:label="label508" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_OtherOperatingIncome_en-US">Total Other operating income (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element508" xlink:to="label508" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherOperatingIncome" xlink:label="element509" />
        <label xlink:type="resource" xlink:label="label509" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_OtherOperatingIncome_en-US">The amount of income related to other sources of operating actvities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element509" xlink:to="label509" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Changeininvetories" xlink:label="element510" />
        <label xlink:type="resource" xlink:label="label510" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Changeininvetories_en-US">Change in inventories</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element510" xlink:to="label510" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Changeininvetories" xlink:label="element511" />
        <label xlink:type="resource" xlink:label="label511" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Changeininvetories_en-US">The amount of income or loss associated to the change in inventories.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element511" xlink:to="label511" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheroperatingexpense" xlink:label="element512" />
        <label xlink:type="resource" xlink:label="label512" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otheroperatingexpense_en-US">Other operating expenses (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element512" xlink:to="label512" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheroperatingexpense" xlink:label="element513" />
        <label xlink:type="resource" xlink:label="label513" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Otheroperatingexpense_en-US">Total Other operating expenses (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element513" xlink:to="label513" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheroperatingexpense" xlink:label="element514" />
        <label xlink:type="resource" xlink:label="label514" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otheroperatingexpense_en-US">The amount of expenses related to other sources of operating actvities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element514" xlink:to="label514" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract" xlink:label="element515" />
        <label xlink:type="resource" xlink:label="label515" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract_en-US">Insurance and Reinsurance Contracts Income and Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element515" xlink:to="label515" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory" xlink:label="element516" />
        <label xlink:type="resource" xlink:label="label516" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory_en-US">Other operating income and expenses on Insurance and reinsurance contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element516" xlink:to="label516" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory" xlink:label="element517" />
        <label xlink:type="resource" xlink:label="label517" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory_en-US">Text Block which displays the other operating income and expense on insurance and reinsurance contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element517" xlink:to="label517" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netincomearisingfrominsurancecontracts" xlink:label="element518" />
        <label xlink:type="resource" xlink:label="label518" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Netincomearisingfrominsurancecontracts_en-US">Net Income Arising from Insurance and Reinsurance Contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element518" xlink:to="label518" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netincomearisingfrominsurancecontracts" xlink:label="element519" />
        <label xlink:type="resource" xlink:label="label519" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Netincomearisingfrominsurancecontracts_en-US">Total Net Income Arising from Insurance and Reinsurance Contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element519" xlink:to="label519" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netincomearisingfrominsurancecontracts" xlink:label="element520" />
        <label xlink:type="resource" xlink:label="label520" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Netincomearisingfrominsurancecontracts_en-US">The net income or expenses associated to insurance contracts.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element520" xlink:to="label520" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalMember" xlink:label="element521" />
        <label xlink:type="resource" xlink:label="label521" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalMember_en-US">Total</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element521" xlink:to="label521" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions" xlink:label="element522" />
        <label xlink:type="resource" xlink:label="label522" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions_en-US">Pensions and other post employment defined benefit obligations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element522" xlink:to="label522" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions" xlink:label="element523" />
        <label xlink:type="resource" xlink:label="label523" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions_en-US">The total amount of provisions recognized in the income statement related to benefit commitments.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element523" xlink:to="label523" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Commitmentsandguaranteesgiven" xlink:label="element524" />
        <label xlink:type="resource" xlink:label="label524" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Commitmentsandguaranteesgiven_en-US">Commitments and guarantees given</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element524" xlink:to="label524" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Commitmentsandguaranteesgiven" xlink:label="element525" />
        <label xlink:type="resource" xlink:label="label525" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Commitmentsandguaranteesgiven_en-US">Provisions for contingent risks and commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element525" xlink:to="label525" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Commitmentsandguaranteesgiven" xlink:label="element526" />
        <label xlink:type="resource" xlink:label="label526" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Commitmentsandguaranteesgiven_en-US">The amount of expenses associated to provisions for commitments and guarantees given.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element526" xlink:to="label526" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Pendinglegalissuesandtaxlitigation" xlink:label="element527" />
        <label xlink:type="resource" xlink:label="label527" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Pendinglegalissuesandtaxlitigation_en-US">Pending legal issues and tax litigation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element527" xlink:to="label527" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Pendinglegalissuesandtaxlitigation" xlink:label="element528" />
        <label xlink:type="resource" xlink:label="label528" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Pendinglegalissuesandtaxlitigation_en-US">The amount of expenses associated to provisions for pending legal issues and tax litigation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element528" xlink:to="label528" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherprovisionsorreversalofprovisions" xlink:label="element529" />
        <label xlink:type="resource" xlink:label="label529" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherprovisionsorreversalofprovisions_en-US">Other Provisions Or Reversal Provisions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element529" xlink:to="label529" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherprovisionsorreversalofprovisions" xlink:label="element530" />
        <label xlink:type="resource" xlink:label="label530" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherprovisionsorreversalofprovisions_en-US">The amount of expenses associated to other provisions.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element530" xlink:to="label530" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalprovisionsorreversalofprovisions" xlink:label="element531" />
        <label xlink:type="resource" xlink:label="label531" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalprovisionsorreversalofprovisions_en-US">Provisions or reversal of provisions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element531" xlink:to="label531" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalprovisionsorreversalofprovisions" xlink:label="element532" />
        <label xlink:type="resource" xlink:label="label532" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Totalprovisionsorreversalofprovisions_en-US">Total Provisions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element532" xlink:to="label532" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalprovisionsorreversalofprovisions" xlink:label="element533" />
        <label xlink:type="resource" xlink:label="label533" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalprovisionsorreversalofprovisions_en-US">The total amount of expenses associated to provisions.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element533" xlink:to="label533" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetabstract" xlink:label="element534" />
        <label xlink:type="resource" xlink:label="label534" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetabstract_en-US">Gains (losses) on derecognition of non financial assets and subsidiaries, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element534" xlink:to="label534" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory" xlink:label="element535" />
        <label xlink:type="resource" xlink:label="label535" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory_en-US">Gains (losses) on derecognition of non financial assets and subsidiaries, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element535" xlink:to="label535" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory" xlink:label="element536" />
        <label xlink:type="resource" xlink:label="label536" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory_en-US">Text Block which displays the disclosure of gains (losses) on derecognition of non financial assets and subsidiaries, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element536" xlink:to="label536" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsondisposalsoftangibleassetsandother" xlink:label="element537" />
        <label xlink:type="resource" xlink:label="label537" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsondisposalsoftangibleassetsandother_en-US">Disposal of tangible assets and other, gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element537" xlink:to="label537" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsondisposalsoftangibleassetsandother" xlink:label="element538" />
        <label xlink:type="resource" xlink:label="label538" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Gainsondisposalsoftangibleassetsandother_en-US">Total Disposal of tangible assets and other, gains</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element538" xlink:to="label538" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsondisposalsoftangibleassetsandother" xlink:label="element539" />
        <label xlink:type="resource" xlink:label="label539" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsondisposalsoftangibleassetsandother_en-US">The amount of gains obtained in the disposal of tangible assets and other.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element539" xlink:to="label539" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BreakdownbycguTable" xlink:label="element540" />
        <label xlink:type="resource" xlink:label="label540" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BreakdownbycguTable_en-US">Breakdown by CGU</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element540" xlink:to="label540" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ChileMember" xlink:label="element541" />
        <label xlink:type="resource" xlink:label="label541" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ChileMember_en-US">Chile [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element541" xlink:to="label541" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RestMember" xlink:label="element542" />
        <label xlink:type="resource" xlink:label="label542" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RestMember_en-US">Rest [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element542" xlink:to="label542" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CashonhandMember" xlink:label="element543" />
        <label xlink:type="resource" xlink:label="label543" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CashonhandMember_en-US">Cash On Hand [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element543" xlink:to="label543" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TangibleAssetsMember" xlink:label="element544" />
        <label xlink:type="resource" xlink:label="label544" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TangibleAssetsMember_en-US">Tangible assets [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element544" xlink:to="label544" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AccumulatedOtherComprehensiveIncomeAbstract" xlink:label="element545" />
        <label xlink:type="resource" xlink:label="label545" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AccumulatedOtherComprehensiveIncomeAbstract_en-US">Accumulated other comprehensive income abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element545" xlink:to="label545" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomeexplanatory" xlink:label="element546" />
        <label xlink:type="resource" xlink:label="label546" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Accumulatedothercomprehensiveincomeexplanatory_en-US">Accumulated Other Comprehensive Income Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element546" xlink:to="label546" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomeexplanatory" xlink:label="element547" />
        <label xlink:type="resource" xlink:label="label547" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Accumulatedothercomprehensiveincomeexplanatory_en-US">Text Block which displays the disclosure of Accumulated Other Comprehensive Income Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element547" xlink:to="label547" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale" xlink:label="element548" />
        <label xlink:type="resource" xlink:label="label548" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale_en-US">Non-current assets and disposal groups classified as held for sale (not reclassified)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element548" xlink:to="label548" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale" xlink:label="element549" />
        <label xlink:type="resource" xlink:label="label549" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale_en-US">Non-current assets and disposal groups classified as held for sale Balance at the Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element549" xlink:to="label549" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale" xlink:label="element550" />
        <label xlink:type="resource" xlink:label="label550" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale_en-US">Non-current assets and disposal groups classified as held for sale Balance at the End</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element550" xlink:to="label550" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale" xlink:label="element551" />
        <label xlink:type="resource" xlink:label="label551" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale_en-US">The amount of accumulated other comprehensive income that will not be reclassified to profir or loss associated to non - current assets classified as held for sale.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element551" xlink:to="label551" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NonControllingInterestAbstract" xlink:label="element552" />
        <label xlink:type="resource" xlink:label="label552" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NonControllingInterestAbstract_en-US">Non Controlling interests</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element552" xlink:to="label552" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NoncontrolllinginterestLineItems" xlink:label="element553" />
        <label xlink:type="resource" xlink:label="label553" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NoncontrolllinginterestLineItems_en-US">Non Controllling Interest Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element553" xlink:to="label553" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalgroupnoncontrolllinginteresTable" xlink:label="element554" />
        <label xlink:type="resource" xlink:label="label554" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalgroupnoncontrolllinginteresTable_en-US">Total Group Non Controllling Interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element554" xlink:to="label554" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GroupsAxis" xlink:label="element555" />
        <label xlink:type="resource" xlink:label="label555" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GroupsAxis_en-US">Groups</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element555" xlink:to="label555" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GroupsDomain" xlink:label="element556" />
        <label xlink:type="resource" xlink:label="label556" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GroupsDomain_en-US">Groups Domain</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element556" xlink:to="label556" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GrupobbvacolombiaMember" xlink:label="element557" />
        <label xlink:type="resource" xlink:label="label557" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GrupobbvacolombiaMember_en-US">BBVA Colombia Group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element557" xlink:to="label557" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GrupogarantiturkiyebankasiMember" xlink:label="element558" />
        <label xlink:type="resource" xlink:label="label558" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GrupogarantiturkiyebankasiMember_en-US">Garanti BBVA</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element558" xlink:to="label558" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialliabilitiesatamortizedcostabstact" xlink:label="element559" />
        <label xlink:type="resource" xlink:label="label559" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialliabilitiesatamortizedcostabstact_en-US">Financial liabilities at amortized cost Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element559" xlink:to="label559" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoffinancialliabilitiesatamortizedcostexplanatory" xlink:label="element560" />
        <label xlink:type="resource" xlink:label="label560" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureoffinancialliabilitiesatamortizedcostexplanatory_en-US">Financial liabiltiies measured at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element560" xlink:to="label560" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoffinancialliabilitiesatamortizedcostexplanatory" xlink:label="element561" />
        <label xlink:type="resource" xlink:label="label561" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureoffinancialliabilitiesatamortizedcostexplanatory_en-US">Text Block which displays the disclosure of financial liabilities at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element561" xlink:to="label561" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory" xlink:label="element562" />
        <label xlink:type="resource" xlink:label="label562" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory_en-US">Deposits from credit institutions. Breakdown by geographical area and nature of the instrument.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element562" xlink:to="label562" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory" xlink:label="element563" />
        <label xlink:type="resource" xlink:label="label563" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory_en-US">Table which displays the deposits from credit institutions by geographical area and instrument</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element563" xlink:to="label563" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory" xlink:label="element564" />
        <label xlink:type="resource" xlink:label="label564" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory_en-US">Customer deposits. Breakdown by geographical area and nature of the instrument.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element564" xlink:to="label564" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory" xlink:label="element565" />
        <label xlink:type="resource" xlink:label="label565" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory_en-US">Table which displays the deposits from customers by geographical area and instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element565" xlink:to="label565" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofdebtsecuritiesissuedexplanatory" xlink:label="element566" />
        <label xlink:type="resource" xlink:label="label566" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofdebtsecuritiesissuedexplanatory_en-US">Debt securities issued</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element566" xlink:to="label566" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofdebtsecuritiesissuedexplanatory" xlink:label="element567" />
        <label xlink:type="resource" xlink:label="label567" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofdebtsecuritiesissuedexplanatory_en-US">Table which displays the debt securities issued</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element567" xlink:to="label567" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsabstract" xlink:label="element568" />
        <label xlink:type="resource" xlink:label="label568" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Depositsabstract_en-US">Deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element568" xlink:to="label568" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems" xlink:label="element569" />
        <label xlink:type="resource" xlink:label="label569" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems_en-US">Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element569" xlink:to="label569" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RestofeurasiaMember" xlink:label="element570" />
        <label xlink:type="resource" xlink:label="label570" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RestofeurasiaMember_en-US">Rest Of Eurasia [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element570" xlink:to="label570" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RestOftheworldMember" xlink:label="element571" />
        <label xlink:type="resource" xlink:label="label571" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RestOftheworldMember_en-US">Rest of the world [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element571" xlink:to="label571" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems" xlink:label="element572" />
        <label xlink:type="resource" xlink:label="label572" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems_en-US">Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element572" xlink:to="label572" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtsecuritiesissuedLineItems" xlink:label="element573" />
        <label xlink:type="resource" xlink:label="label573" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DebtsecuritiesissuedLineItems_en-US">Debt securities issued Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element573" xlink:to="label573" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BreakdownofdebtsecuritiesissuedbytypeandcurrencytableTable" xlink:label="element574" />
        <label xlink:type="resource" xlink:label="label574" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BreakdownofdebtsecuritiesissuedbytypeandcurrencytableTable_en-US">Breakdown Of Debt Securities Issued By Type And Currency Table</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element574" xlink:to="label574" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CurrencyaxisAxis" xlink:label="element575" />
        <label xlink:type="resource" xlink:label="label575" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CurrencyaxisAxis_en-US">Currency Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element575" xlink:to="label575" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CurrencyDomain" xlink:label="element576" />
        <label xlink:type="resource" xlink:label="label576" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CurrencyDomain_en-US">Currency Domain</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element576" xlink:to="label576" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtsecuritiesissuedinstrumentsaxisAxis" xlink:label="element577" />
        <label xlink:type="resource" xlink:label="label577" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DebtsecuritiesissuedinstrumentsaxisAxis_en-US">Debt Securities Issued Instruments Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element577" xlink:to="label577" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtsecuritiesissuedinstrumentsDomain" xlink:label="element578" />
        <label xlink:type="resource" xlink:label="label578" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DebtsecuritiesissuedinstrumentsDomain_en-US">Debt Securities Issued Instruments Domain</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element578" xlink:to="label578" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_PromissorybillsandnotesMember" xlink:label="element579" />
        <label xlink:type="resource" xlink:label="label579" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_PromissorybillsandnotesMember_en-US">Promissory bills and notes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element579" xlink:to="label579" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NonconvertiblebondsanddebenturesMember" xlink:label="element580" />
        <label xlink:type="resource" xlink:label="label580" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NonconvertiblebondsanddebenturesMember_en-US">Non-convertible bonds and debentures at floating interest rates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element580" xlink:to="label580" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_MortgagecoveredbondsMember" xlink:label="element581" />
        <label xlink:type="resource" xlink:label="label581" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_MortgagecoveredbondsMember_en-US">Mortgage Covered bonds</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element581" xlink:to="label581" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_HybridfinancialinstrumentsMember" xlink:label="element582" />
        <label xlink:type="resource" xlink:label="label582" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_HybridfinancialinstrumentsMember_en-US">Hybrid financial instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element582" xlink:to="label582" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SecuritizationbondsmadebythegroupMember" xlink:label="element583" />
        <label xlink:type="resource" xlink:label="label583" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SecuritizationbondsmadebythegroupMember_en-US">Securitization bonds made by the Group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element583" xlink:to="label583" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SubordinatedliabilitiesMember" xlink:label="element584" />
        <label xlink:type="resource" xlink:label="label584" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SubordinatedliabilitiesMember_en-US">Subordinated Liabilities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element584" xlink:to="label584" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ConvertibleperpetualsecuritiesMember" xlink:label="element585" />
        <label xlink:type="resource" xlink:label="label585" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ConvertibleperpetualsecuritiesMember_en-US">Convertible perpetual securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element585" xlink:to="label585" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ConvertiblesubordinatedbondsMember" xlink:label="element586" />
        <label xlink:type="resource" xlink:label="label586" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ConvertiblesubordinatedbondsMember_en-US">Convertible subordinated bonds</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element586" xlink:to="label586" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercontingentassetsandliabilitiesabstract" xlink:label="element587" />
        <label xlink:type="resource" xlink:label="label587" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercontingentassetsandliabilitiesabstract_en-US">Other contingent assets and liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element587" xlink:to="label587" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofothercontingentassetsandliabilitiesexplanatory" xlink:label="element588" />
        <label xlink:type="resource" xlink:label="label588" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofothercontingentassetsandliabilitiesexplanatory_en-US">Disclosure of other contingent assets and liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element588" xlink:to="label588" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofothercontingentassetsandliabilitiesexplanatory" xlink:label="element589" />
        <label xlink:type="resource" xlink:label="label589" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofothercontingentassetsandliabilitiesexplanatory_en-US">Text Block which displays the disclosure of other contingent assets and liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element589" xlink:to="label589" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Dividendincomeabstract" xlink:label="element590" />
        <label xlink:type="resource" xlink:label="label590" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Dividendincomeabstract_en-US">Dividend income Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element590" xlink:to="label590" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory" xlink:label="element591" />
        <label xlink:type="resource" xlink:label="label591" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory_en-US">Investments in subsidiaries joint ventures and associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element591" xlink:to="label591" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory" xlink:label="element592" />
        <label xlink:type="resource" xlink:label="label592" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory_en-US">Text Block which displays the Investments in subsidiaries, joint ventures and associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element592" xlink:to="label592" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossabstract" xlink:label="element593" />
        <label xlink:type="resource" xlink:label="label593" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossabstract_en-US">Impairment or reversal of impairment on financial assets not measured at fair value through profir or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element593" xlink:to="label593" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory" xlink:label="element594" />
        <label xlink:type="resource" xlink:label="label594" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory_en-US">Impairment or Reversal of Impairment on financial assets not measured at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element594" xlink:to="label594" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory" xlink:label="element595" />
        <label xlink:type="resource" xlink:label="label595" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory_en-US">Text Block which displays the disclosure of impairment or reversal of Impairment on financial assets not measured at fair value through profir or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element595" xlink:to="label595" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentfinancialassetsmeasuredatcost" xlink:label="element596" />
        <label xlink:type="resource" xlink:label="label596" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmentfinancialassetsmeasuredatcost_en-US">Financial assets measured at cost, impairment or reversal of impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element596" xlink:to="label596" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentfinancialassetsmeasuredatcost" xlink:label="element597" />
        <label xlink:type="resource" xlink:label="label597" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Impairmentfinancialassetsmeasuredatcost_en-US">The total amount of impairment losses on assets measured at cost.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element597" xlink:to="label597" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentorreversalofimpairmentonnonfinancialassetsabstract" xlink:label="element598" />
        <label xlink:type="resource" xlink:label="label598" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmentorreversalofimpairmentonnonfinancialassetsabstract_en-US">Impairment or reversal of impairment on non-financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element598" xlink:to="label598" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory" xlink:label="element599" />
        <label xlink:type="resource" xlink:label="label599" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory_en-US">Impairment or Reversal of Impairment on non-financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element599" xlink:to="label599" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory" xlink:label="element600" />
        <label xlink:type="resource" xlink:label="label600" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory_en-US">Text Block which displays the disclosure of impairment or reversal of impairment on non-financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element600" xlink:to="label600" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmenttangibleassets" xlink:label="element601" />
        <label xlink:type="resource" xlink:label="label601" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmenttangibleassets_en-US">Tangible assets, impairment or reversal of impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element601" xlink:to="label601" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmenttangibleassets" xlink:label="element602" />
        <label xlink:type="resource" xlink:label="label602" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Impairmenttangibleassets_en-US">The total amount of impairment losses on tangible assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element602" xlink:to="label602" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentintangibleassets" xlink:label="element603" />
        <label xlink:type="resource" xlink:label="label603" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmentintangibleassets_en-US">Intangible assets, impairment or reversal of impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element603" xlink:to="label603" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentintangibleassets" xlink:label="element604" />
        <label xlink:type="resource" xlink:label="label604" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Impairmentintangibleassets_en-US">The total amount of impairment losses on intangible assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element604" xlink:to="label604" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentothernonfinancialassets" xlink:label="element605" />
        <label xlink:type="resource" xlink:label="label605" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmentothernonfinancialassets_en-US">Other non-financial assets, impairment or reversal of impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element605" xlink:to="label605" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentothernonfinancialassets" xlink:label="element606" />
        <label xlink:type="resource" xlink:label="label606" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Impairmentothernonfinancialassets_en-US">The decrease or increase in the gross value of the assets obtained by taking possession of collaterall or calling on other credit enhancements of distressed customers due to other activities not disclosed in the categories before.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element606" xlink:to="label606" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsabstrac" xlink:label="element607" />
        <label xlink:type="resource" xlink:label="label607" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsabstrac_en-US">Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element607" xlink:to="label607" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory" xlink:label="element608" />
        <label xlink:type="resource" xlink:label="label608" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory_en-US">Profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element608" xlink:to="label608" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory" xlink:label="element609" />
        <label xlink:type="resource" xlink:label="label609" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory_en-US">Text Block which displays the disclosure of profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element609" xlink:to="label609" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofotherassetsandliabilitiesabstract" xlink:label="element610" />
        <label xlink:type="resource" xlink:label="label610" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofotherassetsandliabilitiesabstract_en-US">Other Assets and Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element610" xlink:to="label610" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofotherassetsandliabilitiesexplanatory" xlink:label="element611" />
        <label xlink:type="resource" xlink:label="label611" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofotherassetsandliabilitiesexplanatory_en-US">Disclosure of other assets and liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element611" xlink:to="label611" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofotherassetsandliabilitiesexplanatory" xlink:label="element612" />
        <label xlink:type="resource" xlink:label="label612" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofotherassetsandliabilitiesexplanatory_en-US">Text Block which displays the disclosure of other assets and liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element612" xlink:to="label612" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accrualsassets" xlink:label="element613" />
        <label xlink:type="resource" xlink:label="label613" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Accrualsassets_en-US">Accruals (assets)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element613" xlink:to="label613" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accrualsassets" xlink:label="element614" />
        <label xlink:type="resource" xlink:label="label614" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Accrualsassets_en-US">Total Accruals (assets)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element614" xlink:to="label614" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accrualsassets" xlink:label="element615" />
        <label xlink:type="resource" xlink:label="label615" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Accrualsassets_en-US">The amount of assets to be paid for goods or services that have been supplied but not have been paid, invoiced or formally agreed with the counterparty.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element615" xlink:to="label615" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheritemsassetsinventories" xlink:label="element616" />
        <label xlink:type="resource" xlink:label="label616" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otheritemsassetsinventories_en-US">Other items (assets inventories)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element616" xlink:to="label616" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheritemsassetsinventories" xlink:label="element617" />
        <label xlink:type="resource" xlink:label="label617" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otheritemsassetsinventories_en-US">The amount of assets held but that are not classified in any previous category.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element617" xlink:to="label617" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheritemsliabilitiesinventories" xlink:label="element618" />
        <label xlink:type="resource" xlink:label="label618" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otheritemsliabilitiesinventories_en-US">Other items (liabilities inventories)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element618" xlink:to="label618" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheritemsliabilitiesinventories" xlink:label="element619" />
        <label xlink:type="resource" xlink:label="label619" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otheritemsliabilitiesinventories_en-US">The amount of liabilities that the entity does not separately disclose in the same statement or note</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element619" xlink:to="label619" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory" xlink:label="element620" />
        <label xlink:type="resource" xlink:label="label620" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory_en-US">Assets and Liabilities Under Reinsurance and Insurance Contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element620" xlink:to="label620" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory" xlink:label="element621" />
        <label xlink:type="resource" xlink:label="label621" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory_en-US">Text Block which displays the liabilities under reinsurance and Insurance contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element621" xlink:to="label621" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LiabilitiesUnderReassuranceAndAssuranceContracts" xlink:label="element622" />
        <label xlink:type="resource" xlink:label="label622" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LiabilitiesUnderReassuranceAndAssuranceContracts_en-US">Liabilities Under Reassurance And Assurance Contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element622" xlink:to="label622" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LiabilitiesUnderReassuranceAndAssuranceContracts" xlink:label="element623" />
        <label xlink:type="resource" xlink:label="label623" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_LiabilitiesUnderReassuranceAndAssuranceContracts_en-US">LiabilitiesUnderReassuranceAndAssuranceContracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element623" xlink:to="label623" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TechnicalreservesbytypeofinsuranceproductLineItems" xlink:label="element624" />
        <label xlink:type="resource" xlink:label="label624" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TechnicalreservesbytypeofinsuranceproductLineItems_en-US">Technical reserves by type of insurance product</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element624" xlink:to="label624" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Provisionsbreakdownbyconcepts" xlink:label="element625" />
        <label xlink:type="resource" xlink:label="label625" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Provisionsbreakdownbyconcepts_en-US">Provisions. Breakdown by concepts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element625" xlink:to="label625" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Provisionsbreakdownbyconcepts" xlink:label="element626" />
        <label xlink:type="resource" xlink:label="label626" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Provisionsbreakdownbyconcepts_en-US">Table which displays the provisions, breakdown by concepts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element626" xlink:to="label626" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LiabilitiesunderinsurancecontractsandreinsurancecontractsissuedtechnicalreservesTable" xlink:label="element627" />
        <label xlink:type="resource" xlink:label="label627" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LiabilitiesunderinsurancecontractsandreinsurancecontractsissuedtechnicalreservesTable_en-US">Liabilities Under Reinsurance and Insurance Contracts. Technical Reserves [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element627" xlink:to="label627" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SignificantprovisionsrecognizedaxisAxis" xlink:label="element628" />
        <label xlink:type="resource" xlink:label="label628" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SignificantprovisionsrecognizedaxisAxis_en-US">Significant Provisions for insurance contracts [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element628" xlink:to="label628" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SignificantprovisionsrecognizeddomainMemberDomain" xlink:label="element629" />
        <label xlink:type="resource" xlink:label="label629" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SignificantprovisionsrecognizeddomainMemberDomain_en-US">Significant provisions for insurance contracts [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element629" xlink:to="label629" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_MathematicalreservesMember" xlink:label="element630" />
        <label xlink:type="resource" xlink:label="label630" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_MathematicalreservesMember_en-US">Mathematical reserves [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element630" xlink:to="label630" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ProvisionForUnpaidClaimsReportedMember" xlink:label="element631" />
        <label xlink:type="resource" xlink:label="label631" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ProvisionForUnpaidClaimsReportedMember_en-US">Provision for unpaid claims reported [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element631" xlink:to="label631" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember" xlink:label="element632" />
        <label xlink:type="resource" xlink:label="label632" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember_en-US">Provisions for unexpired risks and other provisions [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element632" xlink:to="label632" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomeandexpenseabstract" xlink:label="element633" />
        <label xlink:type="resource" xlink:label="label633" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestincomeandexpenseabstract_en-US">Interest Income And Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element633" xlink:to="label633" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomebreakdownbyorigin" xlink:label="element634" />
        <label xlink:type="resource" xlink:label="label634" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestincomebreakdownbyorigin_en-US">Interest Income Break Down By Origin</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element634" xlink:to="label634" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomebreakdownbyorigin" xlink:label="element635" />
        <label xlink:type="resource" xlink:label="label635" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Interestincomebreakdownbyorigin_en-US">Table which displays the interest income, breakdown by origin</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element635" xlink:to="label635" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestexpensesbreakdownbyorigin" xlink:label="element636" />
        <label xlink:type="resource" xlink:label="label636" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestexpensesbreakdownbyorigin_en-US">Interest Expenses Break Down By Origin</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element636" xlink:to="label636" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestexpensesbreakdownbyorigin" xlink:label="element637" />
        <label xlink:type="resource" xlink:label="label637" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Interestexpensesbreakdownbyorigin_en-US">Table which displays the interest expenses, breakdown by origin</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element637" xlink:to="label637" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomeonadjustmentsofincomeasaresultofhedgingtransactions" xlink:label="element638" />
        <label xlink:type="resource" xlink:label="label638" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestincomeonadjustmentsofincomeasaresultofhedgingtransactions_en-US">Adjustments of income as a result of hedging transactions (Interest Income)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element638" xlink:to="label638" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomeonadjustmentsofincomeasaresultofhedgingtransactions" xlink:label="element639" />
        <label xlink:type="resource" xlink:label="label639" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Interestincomeonadjustmentsofincomeasaresultofhedgingtransactions_en-US">The amount of interest income on financial assets classified as held for trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element639" xlink:to="label639" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomeoninsuranceactivity" xlink:label="element640" />
        <label xlink:type="resource" xlink:label="label640" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestincomeoninsuranceactivity_en-US">Insurance activity Interest Income (Interest Income)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element640" xlink:to="label640" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomeoninsuranceactivity" xlink:label="element641" />
        <label xlink:type="resource" xlink:label="label641" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Interestincomeoninsuranceactivity_en-US">The amount of interest income obtained from the insurance activity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element641" xlink:to="label641" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomeonotherincome" xlink:label="element642" />
        <label xlink:type="resource" xlink:label="label642" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestincomeonotherincome_en-US">Other Income Interest Income (Interest Income)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element642" xlink:to="label642" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomeonotherincome" xlink:label="element643" />
        <label xlink:type="resource" xlink:label="label643" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Interestincomeonotherincome_en-US">The amount of interest income obtained from othe sources not disclosed before.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element643" xlink:to="label643" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestexpenseoninsuranceactivity" xlink:label="element644" />
        <label xlink:type="resource" xlink:label="label644" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestexpenseoninsuranceactivity_en-US">Insurance activity interest expense (Interest Expense)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element644" xlink:to="label644" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestexpenseoninsuranceactivity" xlink:label="element645" />
        <label xlink:type="resource" xlink:label="label645" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Interestexpenseoninsuranceactivity_en-US">The amount of interest expense obtained from the insurance activity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element645" xlink:to="label645" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interesteexpeneonotherexpense" xlink:label="element646" />
        <label xlink:type="resource" xlink:label="label646" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interesteexpeneonotherexpense_en-US">Other expenses interest expenses(Interest Expense)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element646" xlink:to="label646" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interesteexpeneonotherexpense" xlink:label="element647" />
        <label xlink:type="resource" xlink:label="label647" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Interesteexpeneonotherexpense_en-US">The amount of interest expense obtained from othe sources not disclosed before.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element647" xlink:to="label647" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoftangibleassetsabstract" xlink:label="element648" />
        <label xlink:type="resource" xlink:label="label648" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureoftangibleassetsabstract_en-US">Tangible assets Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element648" xlink:to="label648" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoftangibleassetsexplanatory" xlink:label="element649" />
        <label xlink:type="resource" xlink:label="label649" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureoftangibleassetsexplanatory_en-US">Tangible Assets Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element649" xlink:to="label649" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoftangibleassetsexplanatory" xlink:label="element650" />
        <label xlink:type="resource" xlink:label="label650" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureoftangibleassetsexplanatory_en-US">Text Block which displays the disclosure of tangible assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element650" xlink:to="label650" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totaltangibleassetforownuse" xlink:label="element651" />
        <label xlink:type="resource" xlink:label="label651" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Totaltangibleassetforownuse_en-US">Total tangible asset for own use</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element651" xlink:to="label651" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totaltangibleassetforownuse" xlink:label="element652" />
        <label xlink:type="resource" xlink:label="label652" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totaltangibleassetforownuse_en-US">For own use (PPE)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element652" xlink:to="label652" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totaltangibleassetforownuse" xlink:label="element653" />
        <label xlink:type="resource" xlink:label="label653" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totaltangibleassetforownuse_en-US">The amount of tangible assets that: (a) are held for use in the production or supply of goods or services, for rental to others, or for administrative purposes; and (b) are expected to be used during more than one period.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element653" xlink:to="label653" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tangibleassets" xlink:label="element654" />
        <label xlink:type="resource" xlink:label="label654" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tangibleassets_en-US">Tangible Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element654" xlink:to="label654" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tangibleassets" xlink:label="element655" />
        <label xlink:type="resource" xlink:label="label655" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Tangibleassets_en-US">TANGIBLE ASSETS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element655" xlink:to="label655" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tangibleassets" xlink:label="element656" />
        <label xlink:type="resource" xlink:label="label656" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_bbva_Tangibleassets_en-US">Tangible Assets At The Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element656" xlink:to="label656" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tangibleassets" xlink:label="element657" />
        <label xlink:type="resource" xlink:label="label657" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_bbva_Tangibleassets_en-US">Tangible Assets At The End</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element657" xlink:to="label657" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tangibleassets" xlink:label="element658" />
        <label xlink:type="resource" xlink:label="label658" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tangibleassets_en-US">The amount of tangible assets that: (a) are held for use in the production or supply of goods or services, for rental to others, or for administrative purposes; and (b) are expected to be used during more than one period. (c )The amount of property (land or a building - or part of a building - or both) held (by the owner or by the lessee under a finance lease) to earn rentals or for capital appreciation or both</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element658" xlink:to="label658" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BreakdownbytypeofinstrumentsandchangestableTable" xlink:label="element659" />
        <label xlink:type="resource" xlink:label="label659" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BreakdownbytypeofinstrumentsandchangestableTable_en-US">Breakdown by type of instruments and changes [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element659" xlink:to="label659" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskabstract" xlink:label="element660" />
        <label xlink:type="resource" xlink:label="label660" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskabstract_en-US">Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element660" xlink:to="label660" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory" xlink:label="element661" />
        <label xlink:type="resource" xlink:label="label661" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory_en-US">Derivatives - Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element661" xlink:to="label661" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory" xlink:label="element662" />
        <label xlink:type="resource" xlink:label="label662" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory_en-US">Text Block which displays the derivatives, hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element662" xlink:to="label662" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Commitmentsandguaranteesgivenabstract" xlink:label="element663" />
        <label xlink:type="resource" xlink:label="label663" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Commitmentsandguaranteesgivenabstract_en-US">Commitments and Guarantees given</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element663" xlink:to="label663" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loancommitmentsfinancialguaranteesandothercommitments" xlink:label="element664" />
        <label xlink:type="resource" xlink:label="label664" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loancommitmentsfinancialguaranteesandothercommitments_en-US">Loan commitments, financial guarantees and other commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element664" xlink:to="label664" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loancommitmentsfinancialguaranteesandothercommitments" xlink:label="element665" />
        <label xlink:type="resource" xlink:label="label665" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loancommitmentsfinancialguaranteesandothercommitments_en-US">Table which displays the loan commitments, financial guarantees and other commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element665" xlink:to="label665" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems" xlink:label="element666" />
        <label xlink:type="resource" xlink:label="label666" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems_en-US">Loan commitments, Financial guarantees and other commitments Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element666" xlink:to="label666" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loancommitmentsgiven" xlink:label="element667" />
        <label xlink:type="resource" xlink:label="label667" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loancommitmentsgiven_en-US">Loan commitments given</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element667" xlink:to="label667" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loancommitmentsgiven" xlink:label="element668" />
        <label xlink:type="resource" xlink:label="label668" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loancommitmentsgiven_en-US">The amount of loan commitments given by the Entity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element668" xlink:to="label668" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialguaranteesgiven" xlink:label="element669" />
        <label xlink:type="resource" xlink:label="label669" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialguaranteesgiven_en-US">Financial guarantees given</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element669" xlink:to="label669" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialguaranteesgiven" xlink:label="element670" />
        <label xlink:type="resource" xlink:label="label670" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Financialguaranteesgiven_en-US">The amount of financial guarantees given by the Entity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element670" xlink:to="label670" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercommitmentsandguaranteesgiven" xlink:label="element671" />
        <label xlink:type="resource" xlink:label="label671" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercommitmentsandguaranteesgiven_en-US">Other commitments and guarantees given</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element671" xlink:to="label671" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercommitmentsandguaranteesgiven" xlink:label="element672" />
        <label xlink:type="resource" xlink:label="label672" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercommitmentsandguaranteesgiven_en-US">The amount of other financial guarantees given by the Entity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element672" xlink:to="label672" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalloancommitmentsandfinancialguarantees" xlink:label="element673" />
        <label xlink:type="resource" xlink:label="label673" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalloancommitmentsandfinancialguarantees_en-US">Loan commitments and financial guarantees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element673" xlink:to="label673" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalloancommitmentsandfinancialguarantees" xlink:label="element674" />
        <label xlink:type="resource" xlink:label="label674" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Totalloancommitmentsandfinancialguarantees_en-US">Total Loan commitments and financial guarantees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element674" xlink:to="label674" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalloancommitmentsandfinancialguarantees" xlink:label="element675" />
        <label xlink:type="resource" xlink:label="label675" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalloancommitmentsandfinancialguarantees_en-US">The total amount of loan commitments and financial guarantees given.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element675" xlink:to="label675" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureoftypesofcustomerstableTable" xlink:label="element676" />
        <label xlink:type="resource" xlink:label="label676" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureoftypesofcustomerstableTable_en-US">Disclosure Of Types Of Customers Table</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element676" xlink:to="label676" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DefaultedMember" xlink:label="element677" />
        <label xlink:type="resource" xlink:label="label677" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DefaultedMember_en-US">Of which: defaulted</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element677" xlink:to="label677" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CentralbanksMember" xlink:label="element678" />
        <label xlink:type="resource" xlink:label="label678" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CentralbanksMember_en-US">Central Banks [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element678" xlink:to="label678" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherfinancialcorporationsMember" xlink:label="element679" />
        <label xlink:type="resource" xlink:label="label679" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherfinancialcorporationsMember_en-US">Other financial corporations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element679" xlink:to="label679" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NonfinancialcorporationsMember" xlink:label="element680" />
        <label xlink:type="resource" xlink:label="label680" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NonfinancialcorporationsMember_en-US">Non-financial corporations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element680" xlink:to="label680" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_HouseholdsMember" xlink:label="element681" />
        <label xlink:type="resource" xlink:label="label681" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_HouseholdsMember_en-US">Households [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element681" xlink:to="label681" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Postemploymentandotheremployeebenefitcommitmentsabstract" xlink:label="element682" />
        <label xlink:type="resource" xlink:label="label682" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Postemploymentandotheremployeebenefitcommitmentsabstract_en-US">Post-employment and other employee benefit commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element682" xlink:to="label682" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofconsolidatedincomestatementimpactexplanatory" xlink:label="element683" />
        <label xlink:type="resource" xlink:label="label683" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofconsolidatedincomestatementimpactexplanatory_en-US">Consolidated Income Statement Impact</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element683" xlink:to="label683" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofconsolidatedincomestatementimpactexplanatory" xlink:label="element684" />
        <label xlink:type="resource" xlink:label="label684" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofconsolidatedincomestatementimpactexplanatory_en-US">Table which displays the consolidated income statement impact explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element684" xlink:to="label684" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherlongtermemployeebenefits" xlink:label="element685" />
        <label xlink:type="resource" xlink:label="label685" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherlongtermemployeebenefits_en-US">Other long term employee benefits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element685" xlink:to="label685" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherlongtermemployeebenefits" xlink:label="element686" />
        <label xlink:type="resource" xlink:label="label686" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherlongtermemployeebenefits_en-US">The present value, without deducting any plan assets, of expected future payments required to settle the obligation resulting from other long term benefit program with employees.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element686" xlink:to="label686" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesabstract" xlink:label="element687" />
        <label xlink:type="resource" xlink:label="label687" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesabstract_en-US">Gains Or Losses on Financial Assets And Liabilities And Exchanges Differences</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element687" xlink:to="label687" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalgainsorlossesinfinancialassetsandliabilities" xlink:label="element688" />
        <label xlink:type="resource" xlink:label="label688" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Subtotalgainsorlossesinfinancialassetsandliabilities_en-US">Subtotal Gains or losses on financial assets and liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element688" xlink:to="label688" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalgainsorlossesinfinancialassetsandliabilities" xlink:label="element689" />
        <label xlink:type="resource" xlink:label="label689" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Subtotalgainsorlossesinfinancialassetsandliabilities_en-US">Total Gains (losses) on financial assets and liabilities (net)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element689" xlink:to="label689" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalgainsorlossesinfinancialassetsandliabilities" xlink:label="element690" />
        <label xlink:type="resource" xlink:label="label690" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Subtotalgainsorlossesinfinancialassetsandliabilities_en-US">The amount of gains and losses arising from financial assets and liabilities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element690" xlink:to="label690" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shareholderremunerationsystemabstract" xlink:label="element691" />
        <label xlink:type="resource" xlink:label="label691" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Shareholderremunerationsystemabstract_en-US">Share holder Remuneration System Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element691" xlink:to="label691" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureshareholderremunerationsystemexplanatory" xlink:label="element692" />
        <label xlink:type="resource" xlink:label="label692" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureshareholderremunerationsystemexplanatory_en-US">Disclosure Share holder Remuneration System Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element692" xlink:to="label692" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureshareholderremunerationsystemexplanatory" xlink:label="element693" />
        <label xlink:type="resource" xlink:label="label693" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureshareholderremunerationsystemexplanatory_en-US">Text Block which displays the shareholder remuneration system</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element693" xlink:to="label693" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory" xlink:label="element694" />
        <label xlink:type="resource" xlink:label="label694" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory_en-US">Balances Arising From Transactions With Entities Of The Group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element694" xlink:to="label694" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory" xlink:label="element695" />
        <label xlink:type="resource" xlink:label="label695" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory_en-US">Table which displays the balances arising from transactions with rntities of the group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element695" xlink:to="label695" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory" xlink:label="element696" />
        <label xlink:type="resource" xlink:label="label696" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory_en-US">Balance Of Income Statement Arising From Transactions With Entities Of The Group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element696" xlink:to="label696" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory" xlink:label="element697" />
        <label xlink:type="resource" xlink:label="label697" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory_en-US">Table which displays the balance of income statement arising from transactions with entities of the group</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Contingentcommitments" xlink:label="element698" />
        <label xlink:type="resource" xlink:label="label698" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Contingentcommitments_en-US">Contingent Commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element698" xlink:to="label698" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Contingentcommitments" xlink:label="element699" />
        <label xlink:type="resource" xlink:label="label699" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Contingentcommitments_en-US">The amount of contractual undiscounted cash flows for gross commitments to receive a loan.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element699" xlink:to="label699" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Remunerationandotherbenefitsreceivedbytheboardofdirectorsandmembersofthebanksseniormanagementabstract" xlink:label="element700" />
        <label xlink:type="resource" xlink:label="label700" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Remunerationandotherbenefitsreceivedbytheboardofdirectorsandmembersofthebanksseniormanagementabstract_en-US">Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element700" xlink:to="label700" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureremunerationfornonexecutivedirectorsexplanatory" xlink:label="element701" />
        <label xlink:type="resource" xlink:label="label701" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureremunerationfornonexecutivedirectorsexplanatory_en-US">Remuneration For Non Executive Directors Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element701" xlink:to="label701" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureremunerationfornonexecutivedirectorsexplanatory" xlink:label="element702" />
        <label xlink:type="resource" xlink:label="label702" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureremunerationfornonexecutivedirectorsexplanatory_en-US">Table which displays the remuneration for non executive directors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element702" xlink:to="label702" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureremunerationofexecutivedirectorsexplanatory" xlink:label="element703" />
        <label xlink:type="resource" xlink:label="label703" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureremunerationofexecutivedirectorsexplanatory_en-US">Remuneration Of Executive Directors Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element703" xlink:to="label703" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureremunerationofexecutivedirectorsexplanatory" xlink:label="element704" />
        <label xlink:type="resource" xlink:label="label704" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureremunerationofexecutivedirectorsexplanatory_en-US">Table which displays the remuneration for executive directors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element704" xlink:to="label704" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurenumberofsharesexplanatory" xlink:label="element705" />
        <label xlink:type="resource" xlink:label="label705" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosurenumberofsharesexplanatory_en-US">Number Of Shares Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element705" xlink:to="label705" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurenumberofsharesexplanatory" xlink:label="element706" />
        <label xlink:type="resource" xlink:label="label706" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosurenumberofsharesexplanatory_en-US">Table which displays the number of shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element706" xlink:to="label706" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems" xlink:label="element707" />
        <label xlink:type="resource" xlink:label="label707" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems_en-US">Explanatory Remuneration Of Non Executive Directors Received Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element707" xlink:to="label707" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Helthcareandcasualtyinsurancepremiumsfornonexecutivemembersoftheboardofdirectors" xlink:label="element708" />
        <label xlink:type="resource" xlink:label="label708" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Helthcareandcasualtyinsurancepremiumsfornonexecutivemembersoftheboardofdirectors_en-US">Helthcare And Casualty Insurance Premiums For Non Executive Members Of The Board Of Directors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element708" xlink:to="label708" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Helthcareandcasualtyinsurancepremiumsfornonexecutivemembersoftheboardofdirectors" xlink:label="element709" />
        <label xlink:type="resource" xlink:label="label709" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Helthcareandcasualtyinsurancepremiumsfornonexecutivemembersoftheboardofdirectors_en-US">The amount paid in health care and insurance premiums for non executive member of the boards of Directors.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element709" xlink:to="label709" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ExplanatorynumberofsharesLineItems" xlink:label="element710" />
        <label xlink:type="resource" xlink:label="label710" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ExplanatorynumberofsharesLineItems_en-US">Explanatory Number Of Shares Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element710" xlink:to="label710" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationfornonexecutivedirectorsTable" xlink:label="element711" />
        <label xlink:type="resource" xlink:label="label711" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationfornonexecutivedirectorsTable_en-US">Remuneration For Non Executive Directors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element711" xlink:to="label711" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NameaxisAxis" xlink:label="element712" />
        <label xlink:type="resource" xlink:label="label712" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NameaxisAxis_en-US">Name Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element712" xlink:to="label712" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NameDomain" xlink:label="element713" />
        <label xlink:type="resource" xlink:label="label713" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NameDomain_en-US">Name Domain</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element713" xlink:to="label713" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_JosemiguelandrestorrecillasMember" xlink:label="element714" />
        <label xlink:type="resource" xlink:label="label714" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_JosemiguelandrestorrecillasMember_en-US">Jose Miguel Andres Torrecillas</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element714" xlink:to="label714" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BelengarijolopezMember" xlink:label="element715" />
        <label xlink:type="resource" xlink:label="label715" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BelengarijolopezMember_en-US">Belen Garijo Lopez</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element715" xlink:to="label715" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SunirkumarkapoorMember" xlink:label="element716" />
        <label xlink:type="resource" xlink:label="label716" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SunirkumarkapoorMember_en-US">Sunir Kumar Kapoor</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element716" xlink:to="label716" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LourdesmaizcarroMember" xlink:label="element717" />
        <label xlink:type="resource" xlink:label="label717" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LourdesmaizcarroMember_en-US">Lourdes Maiz Carro</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element717" xlink:to="label717" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_JosemaldonadoramosMember" xlink:label="element718" />
        <label xlink:type="resource" xlink:label="label718" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_JosemaldonadoramosMember_en-US">Jose Maldonado Ramos</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element718" xlink:to="label718" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_JuanpillorensMember" xlink:label="element719" />
        <label xlink:type="resource" xlink:label="label719" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_JuanpillorensMember_en-US">Juan Pi Llorens</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element719" xlink:to="label719" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SusanarodriguezvidarteMember" xlink:label="element720" />
        <label xlink:type="resource" xlink:label="label720" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SusanarodriguezvidarteMember_en-US">Susana Rodriguez Vidarte</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element720" xlink:to="label720" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalRemunerationForNonExecutiveDirectorsMember" xlink:label="element721" />
        <label xlink:type="resource" xlink:label="label721" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalRemunerationForNonExecutiveDirectorsMember_en-US">Total remuneration for non executive directors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element721" xlink:to="label721" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CommitteeconceptaxisAxis" xlink:label="element722" />
        <label xlink:type="resource" xlink:label="label722" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CommitteeconceptaxisAxis_en-US">Committee Concept</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element722" xlink:to="label722" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CommitteeconceptDomain" xlink:label="element723" />
        <label xlink:type="resource" xlink:label="label723" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CommitteeconceptDomain_en-US">Committee concept</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element723" xlink:to="label723" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BoardofdirectorsMember" xlink:label="element724" />
        <label xlink:type="resource" xlink:label="label724" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BoardofdirectorsMember_en-US">Board Of Directors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element724" xlink:to="label724" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ExecutiecommitteeMember" xlink:label="element725" />
        <label xlink:type="resource" xlink:label="label725" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ExecutiecommitteeMember_en-US">Executie Committee</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element725" xlink:to="label725" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AuditandcompliancecommitteeMember" xlink:label="element726" />
        <label xlink:type="resource" xlink:label="label726" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AuditandcompliancecommitteeMember_en-US">Audit And Compliance Committee</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element726" xlink:to="label726" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RiskcommitteeMember" xlink:label="element727" />
        <label xlink:type="resource" xlink:label="label727" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RiskcommitteeMember_en-US">Risk Committee</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element727" xlink:to="label727" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationcommitteMember" xlink:label="element728" />
        <label xlink:type="resource" xlink:label="label728" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationcommitteMember_en-US">Remuneration Committe</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element728" xlink:to="label728" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AppointmentscommitteMember" xlink:label="element729" />
        <label xlink:type="resource" xlink:label="label729" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AppointmentscommitteMember_en-US">Appointments Committee</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element729" xlink:to="label729" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TechnologyandcybersecuritycommitteMember" xlink:label="element730" />
        <label xlink:type="resource" xlink:label="label730" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TechnologyandcybersecuritycommitteMember_en-US">Technology And Cybersecurity Committe</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element730" xlink:to="label730" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DirectorsremunerationexpenseMember" xlink:label="element731" />
        <label xlink:type="resource" xlink:label="label731" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DirectorsremunerationexpenseMember_en-US">Directors Remuneration Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element731" xlink:to="label731" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GroupexecutivechairmanMember" xlink:label="element732" />
        <label xlink:type="resource" xlink:label="label732" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GroupexecutivechairmanMember_en-US">Group Executive Chairman</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element732" xlink:to="label732" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CeoMember" xlink:label="element733" />
        <label xlink:type="resource" xlink:label="label733" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CeoMember_en-US">CEO Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element733" xlink:to="label733" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandreceivablesheldfortrading" xlink:label="element734" />
        <label xlink:type="resource" xlink:label="label734" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandreceivablesheldfortrading_en-US">Loans and receivables Held For Trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element734" xlink:to="label734" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandreceivablesheldfortrading" xlink:label="element735" />
        <label xlink:type="resource" xlink:label="label735" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Loansandreceivablesheldfortrading_en-US">Loans and advances to customers Held</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element735" xlink:to="label735" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandreceivablesheldfortrading" xlink:label="element736" />
        <label xlink:type="resource" xlink:label="label736" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandreceivablesheldfortrading_en-US">The amount of loans and receivables held for trading. [Refer: Loans and receivables; Loans and receivables at fair value through profit or loss, classified as held for trading]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element736" xlink:to="label736" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets" xlink:label="element737" />
        <label xlink:type="resource" xlink:label="label737" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets_en-US">Accumulated other comprehensive income items that may be reclassified to profit or loss available for sale debt securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element737" xlink:to="label737" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets" xlink:label="element738" />
        <label xlink:type="resource" xlink:label="label738" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets_en-US">Table which displays the accumulated other comprehensive income items that may be reclassified to profit or loss available for sale financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element738" xlink:to="label738" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory" xlink:label="element739" />
        <label xlink:type="resource" xlink:label="label739" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory_en-US">Non-current assets and disposal groups classified as held for sale. Breakdown by items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element739" xlink:to="label739" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory" xlink:label="element740" />
        <label xlink:type="resource" xlink:label="label740" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory_en-US">Table which displays the non-current assets and disposal groups classified as held for sale, breakdown by items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element740" xlink:to="label740" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CommonStockabstract" xlink:label="element741" />
        <label xlink:type="resource" xlink:label="label741" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CommonStockabstract_en-US">Common Stock</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element741" xlink:to="label741" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofcommonstockexplanatory" xlink:label="element742" />
        <label xlink:type="resource" xlink:label="label742" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofcommonstockexplanatory_en-US">Disclosure Of Common Stock</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element742" xlink:to="label742" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofcommonstockexplanatory" xlink:label="element743" />
        <label xlink:type="resource" xlink:label="label743" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofcommonstockexplanatory_en-US">Text Block which displays the disclosure of common stock</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element743" xlink:to="label743" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory" xlink:label="element744" />
        <label xlink:type="resource" xlink:label="label744" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory_en-US">Retained Earnings Revaluation Reserves And Other Reserves Breakdown By Concepts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element744" xlink:to="label744" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory" xlink:label="element745" />
        <label xlink:type="resource" xlink:label="label745" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory_en-US">Table which contains the retained earnings, revaluation reserves and other reserves, breakdown by concepts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element745" xlink:to="label745" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalretainedearningsrevaluationreservesandotherreserves" xlink:label="element746" />
        <label xlink:type="resource" xlink:label="label746" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalretainedearningsrevaluationreservesandotherreserves_en-US">Retained Earnings Revaluation Reserves And Other Reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element746" xlink:to="label746" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalretainedearningsrevaluationreservesandotherreserves" xlink:label="element747" />
        <label xlink:type="resource" xlink:label="label747" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Totalretainedearningsrevaluationreservesandotherreserves_en-US">Total Retained Earnings Revaluation Reserves And Other Reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element747" xlink:to="label747" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalretainedearningsrevaluationreservesandotherreserves" xlink:label="element748" />
        <label xlink:type="resource" xlink:label="label748" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalretainedearningsrevaluationreservesandotherreserves_en-US">The total amount of reserves held by the parent company and held by the associated entities under the consolidation scope and that are recognized by the Group.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element748" xlink:to="label748" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SubtotalMember" xlink:label="element749" />
        <label xlink:type="resource" xlink:label="label749" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SubtotalMember_en-US">Subtotal [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element749" xlink:to="label749" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating" xlink:label="element750" />
        <label xlink:type="resource" xlink:label="label750" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating_en-US">Percentage available for sale financial assets debt securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element750" xlink:to="label750" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating" xlink:label="element751" />
        <label xlink:type="resource" xlink:label="label751" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating_en-US">The percentage of amount of debt secuirities classified as held for sale, distributed by rating</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element751" xlink:to="label751" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BreakdownofdebtsecuritiesbyratingTable" xlink:label="element752" />
        <label xlink:type="resource" xlink:label="label752" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BreakdownofdebtsecuritiesbyratingTable_en-US">Breakdown Of Debt Securities By Rating [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element752" xlink:to="label752" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LevelratingaxisAxis" xlink:label="element753" />
        <label xlink:type="resource" xlink:label="label753" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LevelratingaxisAxis_en-US">Level Rating [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element753" xlink:to="label753" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LevelratingDomain" xlink:label="element754" />
        <label xlink:type="resource" xlink:label="label754" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LevelratingDomain_en-US">Level rating [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element754" xlink:to="label754" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Aaa1Member" xlink:label="element755" />
        <label xlink:type="resource" xlink:label="label755" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Aaa1Member_en-US">AAA [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element755" xlink:to="label755" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Aa1Member" xlink:label="element756" />
        <label xlink:type="resource" xlink:label="label756" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Aa1Member_en-US">AA + [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element756" xlink:to="label756" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AA2Member" xlink:label="element757" />
        <label xlink:type="resource" xlink:label="label757" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AA2Member_en-US">AA [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element757" xlink:to="label757" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AA3Member" xlink:label="element758" />
        <label xlink:type="resource" xlink:label="label758" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AA3Member_en-US">AA - [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element758" xlink:to="label758" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AMember" xlink:label="element759" />
        <label xlink:type="resource" xlink:label="label759" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AMember_en-US">A+ [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element759" xlink:to="label759" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_A1Member" xlink:label="element760" />
        <label xlink:type="resource" xlink:label="label760" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_A1Member_en-US">A [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element760" xlink:to="label760" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_A2Member" xlink:label="element761" />
        <label xlink:type="resource" xlink:label="label761" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_A2Member_en-US">A - [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element761" xlink:to="label761" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Bbb4Member" xlink:label="element762" />
        <label xlink:type="resource" xlink:label="label762" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Bbb4Member_en-US">BBB + [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element762" xlink:to="label762" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Bbb5Member" xlink:label="element763" />
        <label xlink:type="resource" xlink:label="label763" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Bbb5Member_en-US">BBB [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element763" xlink:to="label763" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BbMember" xlink:label="element764" />
        <label xlink:type="resource" xlink:label="label764" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BbMember_en-US">Bb [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element764" xlink:to="label764" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_WithoutratingMember" xlink:label="element765" />
        <label xlink:type="resource" xlink:label="label765" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_WithoutratingMember_en-US">Without Rating [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element765" xlink:to="label765" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalexposuresMember" xlink:label="element766" />
        <label xlink:type="resource" xlink:label="label766" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalexposuresMember_en-US">Total Exposures [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element766" xlink:to="label766" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1" xlink:label="element767" />
        <label xlink:type="resource" xlink:label="label767" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1_en-US">Amortized cost equity instruments available for sale financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element767" xlink:to="label767" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1" xlink:label="element768" />
        <label xlink:type="resource" xlink:label="label768" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1_en-US">The amount of debt securities available for sale held by the Entity, valued at amortized cost.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element768" xlink:to="label768" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BreakdownofequityinstrumentsavailableforsaleTable" xlink:label="element769" />
        <label xlink:type="resource" xlink:label="label769" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BreakdownofequityinstrumentsavailableforsaleTable_en-US">Breakdown of equity instruments available for sale [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element769" xlink:to="label769" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofequityinstrumentaxisAxis" xlink:label="element770" />
        <label xlink:type="resource" xlink:label="label770" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofequityinstrumentaxisAxis_en-US">Type Of Equity Instrument [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element770" xlink:to="label770" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofequityinstrumentDomain" xlink:label="element771" />
        <label xlink:type="resource" xlink:label="label771" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofequityinstrumentDomain_en-US">Type of Equity Instrument [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element771" xlink:to="label771" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Personnelexpensesexplanatory" xlink:label="element772" />
        <label xlink:type="resource" xlink:label="label772" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Personnelexpensesexplanatory_en-US">Personnel Expenses Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element772" xlink:to="label772" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Personnelexpensesexplanatory" xlink:label="element773" />
        <label xlink:type="resource" xlink:label="label773" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Personnelexpensesexplanatory_en-US">Text Block which displays the personnel expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element773" xlink:to="label773" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Personnelexpensesbreakdownexplanatory" xlink:label="element774" />
        <label xlink:type="resource" xlink:label="label774" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Personnelexpensesbreakdownexplanatory_en-US">Personnel Expenses Breakdown</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element774" xlink:to="label774" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Personnelexpensesbreakdownexplanatory" xlink:label="element775" />
        <label xlink:type="resource" xlink:label="label775" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Personnelexpensesbreakdownexplanatory_en-US">Table which displays the personnel expenses breakdown</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element775" xlink:to="label775" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheradministrativeexpensesexplanatory" xlink:label="element776" />
        <label xlink:type="resource" xlink:label="label776" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otheradministrativeexpensesexplanatory_en-US">Other Administrative Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element776" xlink:to="label776" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheradministrativeexpensesexplanatory" xlink:label="element777" />
        <label xlink:type="resource" xlink:label="label777" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otheradministrativeexpensesexplanatory_en-US">Table which displays the other administrative expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element777" xlink:to="label777" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Technologyandsystems" xlink:label="element778" />
        <label xlink:type="resource" xlink:label="label778" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Technologyandsystems_en-US">Technology And Systems</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element778" xlink:to="label778" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Technologyandsystems" xlink:label="element779" />
        <label xlink:type="resource" xlink:label="label779" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Technologyandsystems_en-US">The amount of expenses associated to Technology and systems.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element779" xlink:to="label779" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Propertyfixturesandmaterials" xlink:label="element780" />
        <label xlink:type="resource" xlink:label="label780" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Propertyfixturesandmaterials_en-US">Property Fixtures And Materials</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element780" xlink:to="label780" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Propertyfixturesandmaterials" xlink:label="element781" />
        <label xlink:type="resource" xlink:label="label781" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Propertyfixturesandmaterials_en-US">The amount of expenses associated to property fictures and materials.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element781" xlink:to="label781" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Taxesotherthanincometax" xlink:label="element782" />
        <label xlink:type="resource" xlink:label="label782" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Taxesotherthanincometax_en-US">Taxes Other Than Income Tax</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element782" xlink:to="label782" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Taxesotherthanincometax" xlink:label="element783" />
        <label xlink:type="resource" xlink:label="label783" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Taxesotherthanincometax_en-US">The amount of expenses associated to other taxes than income tax.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element783" xlink:to="label783" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Ofwhichrentexpenses" xlink:label="element784" />
        <label xlink:type="resource" xlink:label="label784" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Ofwhichrentexpenses_en-US">Of Which Rent Expenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element784" xlink:to="label784" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Ofwhichrentexpenses" xlink:label="element785" />
        <label xlink:type="resource" xlink:label="label785" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Ofwhichrentexpenses_en-US">The amount of expenses associated to property fictures and materials for rentred properties</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element785" xlink:to="label785" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancestocentralbanksMember" xlink:label="element786" />
        <label xlink:type="resource" xlink:label="label786" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancestocentralbanksMember_en-US">Loans And Advances To Central Banks [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element786" xlink:to="label786" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancestocreditinstitutionsMember" xlink:label="element787" />
        <label xlink:type="resource" xlink:label="label787" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancestocreditinstitutionsMember_en-US">Loans And Advances To Credit Institutions [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element787" xlink:to="label787" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CustomerdepositsMember" xlink:label="element788" />
        <label xlink:type="resource" xlink:label="label788" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CustomerdepositsMember_en-US">Customer Deposits [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element788" xlink:to="label788" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Issueofpreferredshares" xlink:label="element789" />
        <label xlink:type="resource" xlink:label="label789" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Issueofpreferredshares_en-US">Issuances of preferred shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element789" xlink:to="label789" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Issueofpreferredshares" xlink:label="element790" />
        <label xlink:type="resource" xlink:label="label790" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Issueofpreferredshares_en-US">The amount of changes in equity due to the issuance of preferred shares. The cash inflow from the issuing of preference shares. [Refer: Preference shares [member]]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element790" xlink:to="label790" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Issueofotherequityinstruments" xlink:label="element791" />
        <label xlink:type="resource" xlink:label="label791" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Issueofotherequityinstruments_en-US">Issuance of other equity instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element791" xlink:to="label791" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Issueofotherequityinstruments" xlink:label="element792" />
        <label xlink:type="resource" xlink:label="label792" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Issueofotherequityinstruments_en-US">The amount of changes in equity due to the issuance of other equity instruments. The cash inflow from the issuing of other equity instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element792" xlink:to="label792" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Periodormaturityoftheirissuedequityinstruments" xlink:label="element793" />
        <label xlink:type="resource" xlink:label="label793" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Periodormaturityoftheirissuedequityinstruments_en-US">Period or maturity of other issued equity instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element793" xlink:to="label793" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Periodormaturityoftheirissuedequityinstruments" xlink:label="element794" />
        <label xlink:type="resource" xlink:label="label794" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Periodormaturityoftheirissuedequityinstruments_en-US">The amount of changes in equity due to the maturity of issued equity instruments. The amount corresponding to the settlement or maturity of other equity instruments issued</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element794" xlink:to="label794" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Reclassificationoffinancialliabilitiestootherequityinstruments" xlink:label="element795" />
        <label xlink:type="resource" xlink:label="label795" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Reclassificationoffinancialliabilitiestootherequityinstruments_en-US">Reclassification of financial liabilities to other equity instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element795" xlink:to="label795" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Reclassificationoffinancialliabilitiestootherequityinstruments" xlink:label="element796" />
        <label xlink:type="resource" xlink:label="label796" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Reclassificationoffinancialliabilitiestootherequityinstruments_en-US">The amount of changes in equity due to the reclassification of financial liabilities into equity instruments.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element796" xlink:to="label796" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Reclassificationofotherequityinstrumentstofinancialliabilities" xlink:label="element797" />
        <label xlink:type="resource" xlink:label="label797" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Reclassificationofotherequityinstrumentstofinancialliabilities_en-US">Reclassification of other equity instruments to financial liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element797" xlink:to="label797" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Reclassificationofotherequityinstrumentstofinancialliabilities" xlink:label="element798" />
        <label xlink:type="resource" xlink:label="label798" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Reclassificationofotherequityinstrumentstofinancialliabilities_en-US">The amount of changes in equity due to the reclassification of financial liabilities into equity instruments.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element798" xlink:to="label798" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ComponentsofequityDomain" xlink:label="element799" />
        <label xlink:type="resource" xlink:label="label799" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ComponentsofequityDomain_en-US">Components of equity Domain</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element799" xlink:to="label799" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_EquityinstrumentsissuedotherthancapitalMember" xlink:label="element800" />
        <label xlink:type="resource" xlink:label="label800" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_EquityinstrumentsissuedotherthancapitalMember_en-US">Equity instruments issued other than capital</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element800" xlink:to="label800" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_InterimdividendsMember" xlink:label="element801" />
        <label xlink:type="resource" xlink:label="label801" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_InterimdividendsMember_en-US">Interim dividends Member</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element801" xlink:to="label801" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RestnoncontrollinginterestsMember" xlink:label="element802" />
        <label xlink:type="resource" xlink:label="label802" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RestnoncontrollinginterestsMember_en-US">Non-Controlling interests- Rest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element802" xlink:to="label802" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestocentralbanksheldfortrading" xlink:label="element803" />
        <label xlink:type="resource" xlink:label="label803" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancestocentralbanksheldfortrading_en-US">Loans and Advances to Central Banks Held for Trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element803" xlink:to="label803" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestocentralbanksheldfortrading" xlink:label="element804" />
        <label xlink:type="resource" xlink:label="label804" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancestocentralbanksheldfortrading_en-US">The amount of loans and advances to central bank classified as held for trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element804" xlink:to="label804" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Capitalbaseandcapitalmanagementabstract" xlink:label="element805" />
        <label xlink:type="resource" xlink:label="label805" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Capitalbaseandcapitalmanagementabstract_en-US">Capital Base And Capital Management</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element805" xlink:to="label805" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Eligiblecapitalresources" xlink:label="element806" />
        <label xlink:type="resource" xlink:label="label806" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Eligiblecapitalresources_en-US">Table Of Capital Coefficients</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element806" xlink:to="label806" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Eligiblecapitalresources" xlink:label="element807" />
        <label xlink:type="resource" xlink:label="label807" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Eligiblecapitalresources_en-US">Table which displays the eligible capital resources</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element807" xlink:to="label807" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Leverageratio" xlink:label="element808" />
        <label xlink:type="resource" xlink:label="label808" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Leverageratio_en-US">Leverage Ratio</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element808" xlink:to="label808" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Leverageratio" xlink:label="element809" />
        <label xlink:type="resource" xlink:label="label809" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Leverageratio_en-US">The Tier 1 leverage ratio is the relationship between a banking organization's core capital and its total assets. The Tier 1 leverage ratio is calculated by dividing Tier 1 capital by a bank's average total consolidated assets and certain off-balance sheet exposures</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element809" xlink:to="label809" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interimdividend" xlink:label="element810" />
        <label xlink:type="resource" xlink:label="label810" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interimdividend_en-US">Less Interim dividends</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element810" xlink:to="label810" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interimdividend" xlink:label="element811" />
        <label xlink:type="resource" xlink:label="label811" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Interimdividend_en-US">The amount of interim dividends paid</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element811" xlink:to="label811" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shareholdersfunds" xlink:label="element812" />
        <label xlink:type="resource" xlink:label="label812" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Shareholdersfunds_en-US">Total shareholders' funds</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element812" xlink:to="label812" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shareholdersfunds" xlink:label="element813" />
        <label xlink:type="resource" xlink:label="label813" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Shareholdersfunds_en-US">Shareholder's Funds</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element813" xlink:to="label813" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shareholdersfunds" xlink:label="element814" />
        <label xlink:type="resource" xlink:label="label814" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Shareholdersfunds_en-US">The amount of interim dividends paid</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element814" xlink:to="label814" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CommonEquityTier1CET1" xlink:label="element815" />
        <label xlink:type="resource" xlink:label="label815" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CommonEquityTier1CET1_en-US">Common Equity Tier 1 CET1</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element815" xlink:to="label815" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CommonEquityTier1CET1" xlink:label="element816" />
        <label xlink:type="resource" xlink:label="label816" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_CommonEquityTier1CET1_en-US">Common Equity Tier 1 CET 1</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element816" xlink:to="label816" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CommonEquityTier1CET1" xlink:label="element817" />
        <label xlink:type="resource" xlink:label="label817" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_CommonEquityTier1CET1_en-US">Common equity Tier 1 comprises of a banks core capital and includes common shares, stock surpluses resulting from the issue of common shares, retained earnings, common shares issued by subsidiaries and held by third parties, and accumulated other comprehensive income. The amount of eligible common equity Tier 1 capital.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element817" xlink:to="label817" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tier1" xlink:label="element818" />
        <label xlink:type="resource" xlink:label="label818" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tier1_en-US">Tier 1 (Eligible capital resources)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element818" xlink:to="label818" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tier1" xlink:label="element819" />
        <label xlink:type="resource" xlink:label="label819" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Tier1_en-US">Tier 1 (eligible capital resources)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element819" xlink:to="label819" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tier1" xlink:label="element820" />
        <label xlink:type="resource" xlink:label="label820" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tier1_en-US">Includes: Common stock, parent company reserves, reserves in consolidated companies, non-controlling interests, deduction and others and attributed net income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element820" xlink:to="label820" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tier2" xlink:label="element821" />
        <label xlink:type="resource" xlink:label="label821" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tier2_en-US">Tier 2 ( Eligible capital resources)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element821" xlink:to="label821" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tier2" xlink:label="element822" />
        <label xlink:type="resource" xlink:label="label822" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tier2_en-US">Includes: Subordinated, preferred shares, generic countable and non- controlling interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element822" xlink:to="label822" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Exposureriskweightedassets" xlink:label="element823" />
        <label xlink:type="resource" xlink:label="label823" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Exposureriskweightedassets_en-US">Exposure (thousand of euros)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element823" xlink:to="label823" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Exposureriskweightedassets" xlink:label="element824" />
        <label xlink:type="resource" xlink:label="label824" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Exposureriskweightedassets_en-US">The amount of assets measured for regulatory requirements taking into account a pondered coeficient that measures the risk associated to each asset.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element824" xlink:to="label824" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsheldfortradingMember" xlink:label="element825" />
        <label xlink:type="resource" xlink:label="label825" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsheldfortradingMember_en-US">Financial Assets Held For Trading [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element825" xlink:to="label825" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Operatingsegmentsreportingabstract" xlink:label="element826" />
        <label xlink:type="resource" xlink:label="label826" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Operatingsegmentsreportingabstract_en-US">Operating Segments Reporting</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element826" xlink:to="label826" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Generalinformationbasisforpresentationandotherinformationabstract" xlink:label="element827" />
        <label xlink:type="resource" xlink:label="label827" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Generalinformationbasisforpresentationandotherinformationabstract_en-US">Introduction, Basis For The Presentation Of The Consolidated Financial Statements, Internal Control Of Financial Information And Other Information</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element827" xlink:to="label827" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofentityinformationabstract" xlink:label="element828" />
        <label xlink:type="resource" xlink:label="label828" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofentityinformationabstract_en-US">Grupo BBVA</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element828" xlink:to="label828" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofentityinformationaexplanatory" xlink:label="element829" />
        <label xlink:type="resource" xlink:label="label829" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofentityinformationaexplanatory_en-US">Grupo BBVA, Entity Information</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element829" xlink:to="label829" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofentityinformationaexplanatory" xlink:label="element830" />
        <label xlink:type="resource" xlink:label="label830" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofentityinformationaexplanatory_en-US">Text Block which displays the entity information</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element830" xlink:to="label830" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestocustomersatfairvalue" xlink:label="element831" />
        <label xlink:type="resource" xlink:label="label831" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancestocustomersatfairvalue_en-US">Loans And Advances To Customers At Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element831" xlink:to="label831" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestocustomersatfairvalue" xlink:label="element832" />
        <label xlink:type="resource" xlink:label="label832" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancestocustomersatfairvalue_en-US">The amount of loans and advances the entity has made, at fair value.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element832" xlink:to="label832" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Taxassets" xlink:label="element833" />
        <label xlink:type="resource" xlink:label="label833" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Taxassets_en-US">Tax Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element833" xlink:to="label833" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Taxassets" xlink:label="element834" />
        <label xlink:type="resource" xlink:label="label834" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Taxassets_en-US">TAX ASSETS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element834" xlink:to="label834" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Taxassets" xlink:label="element835" />
        <label xlink:type="resource" xlink:label="label835" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Taxassets_en-US">The amount of assets recognized in the balance that is the sume of Deferred tax assets and current tax assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element835" xlink:to="label835" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Insurancecontractslinkedtopensions" xlink:label="element836" />
        <label xlink:type="resource" xlink:label="label836" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Insurancecontractslinkedtopensions_en-US">Insurance contracts linked to pensions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element836" xlink:to="label836" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Insurancecontractslinkedtopensions" xlink:label="element837" />
        <label xlink:type="resource" xlink:label="label837" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Insurancecontractslinkedtopensions_en-US">The amount of assets arising from insurance contracts linked to satisfy pension commitments.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element837" xlink:to="label837" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Restotherassets" xlink:label="element838" />
        <label xlink:type="resource" xlink:label="label838" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Restotherassets_en-US">Rest other assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element838" xlink:to="label838" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Restotherassets" xlink:label="element839" />
        <label xlink:type="resource" xlink:label="label839" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Restotherassets_en-US">The amount of assets that are not disclosed in any other categories aboves. The amount of other assets besides insurance contracts and inventories</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element839" xlink:to="label839" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsfromcentralbanksheldfortrading" xlink:label="element840" />
        <label xlink:type="resource" xlink:label="label840" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Depositsfromcentralbanksheldfortrading_en-US">Deposits from central banks, held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element840" xlink:to="label840" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsfromcentralbanksheldfortrading" xlink:label="element841" />
        <label xlink:type="resource" xlink:label="label841" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Depositsfromcentralbanksheldfortrading_en-US">The amount of deposits from central banks classified as financial liabilities held for trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element841" xlink:to="label841" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsfromcreditinstitutionsheldfortrading" xlink:label="element842" />
        <label xlink:type="resource" xlink:label="label842" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Depositsfromcreditinstitutionsheldfortrading_en-US">Deposits from credit institutions, held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element842" xlink:to="label842" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsfromcreditinstitutionsheldfortrading" xlink:label="element843" />
        <label xlink:type="resource" xlink:label="label843" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Depositsfromcreditinstitutionsheldfortrading_en-US">The amount of deposits from credit institutions classified as financial liabilitiesheld for trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element843" xlink:to="label843" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Customerdepositsheldfortrading" xlink:label="element844" />
        <label xlink:type="resource" xlink:label="label844" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Customerdepositsheldfortrading_en-US">Customer deposits, held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element844" xlink:to="label844" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Customerdepositsheldfortrading" xlink:label="element845" />
        <label xlink:type="resource" xlink:label="label845" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Customerdepositsheldfortrading_en-US">The amount of customers deposits classified as financial liabilities held for trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element845" xlink:to="label845" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtcertificatesheldfortrading" xlink:label="element846" />
        <label xlink:type="resource" xlink:label="label846" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Debtcertificatesheldfortrading_en-US">Debt certificates, held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element846" xlink:to="label846" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtcertificatesheldfortrading" xlink:label="element847" />
        <label xlink:type="resource" xlink:label="label847" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Debtcertificatesheldfortrading_en-US">The amount of debt certificated classified as financial liabilities held for trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element847" xlink:to="label847" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherfinancialliabilitiesheldfortrading" xlink:label="element848" />
        <label xlink:type="resource" xlink:label="label848" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherfinancialliabilitiesheldfortrading_en-US">Other Financial liabilities held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element848" xlink:to="label848" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherfinancialliabilitiesheldfortrading" xlink:label="element849" />
        <label xlink:type="resource" xlink:label="label849" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherfinancialliabilitiesheldfortrading_en-US">The amount of other liabilities not disclosed in any of the categories above classified as held for trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element849" xlink:to="label849" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsfromcentralbanksatfairvalue" xlink:label="element850" />
        <label xlink:type="resource" xlink:label="label850" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Depositsfromcentralbanksatfairvalue_en-US">Deposits from central banks, at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element850" xlink:to="label850" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsfromcentralbanksatfairvalue" xlink:label="element851" />
        <label xlink:type="resource" xlink:label="label851" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Depositsfromcentralbanksatfairvalue_en-US">The amount of Deposits from Central Banks classified at fair value through profit or loss. The amount of deposits from central banks as financial liabilities designated at fair value throught profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element851" xlink:to="label851" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsfromcreditinstitutionsatfairvalue" xlink:label="element852" />
        <label xlink:type="resource" xlink:label="label852" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Depositsfromcreditinstitutionsatfairvalue_en-US">Deposits from credit institutions, at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element852" xlink:to="label852" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsfromcreditinstitutionsatfairvalue" xlink:label="element853" />
        <label xlink:type="resource" xlink:label="label853" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Depositsfromcreditinstitutionsatfairvalue_en-US">The amount of deposits from credit institutions as financial liabilities designated at fair value throught profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element853" xlink:to="label853" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Customerdepositsatfairvalue" xlink:label="element854" />
        <label xlink:type="resource" xlink:label="label854" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Customerdepositsatfairvalue_en-US">Customer deposits, at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element854" xlink:to="label854" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Customerdepositsatfairvalue" xlink:label="element855" />
        <label xlink:type="resource" xlink:label="label855" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Customerdepositsatfairvalue_en-US">Total deposits from customers</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element855" xlink:to="label855" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Customerdepositsatfairvalue" xlink:label="element856" />
        <label xlink:type="resource" xlink:label="label856" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Customerdepositsatfairvalue_en-US">The amount of customers deposits as financial liabilities designated at fair value throught profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element856" xlink:to="label856" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtcertificatesatfairvalue" xlink:label="element857" />
        <label xlink:type="resource" xlink:label="label857" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Debtcertificatesatfairvalue_en-US">Debt certificates, at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element857" xlink:to="label857" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtcertificatesatfairvalue" xlink:label="element858" />
        <label xlink:type="resource" xlink:label="label858" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Debtcertificatesatfairvalue_en-US">Total other financial liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element858" xlink:to="label858" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtcertificatesatfairvalue" xlink:label="element859" />
        <label xlink:type="resource" xlink:label="label859" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Debtcertificatesatfairvalue_en-US">The amount of debt certificated as financial liabilities designated at fair value throught profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element859" xlink:to="label859" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherfinancialliabilitiesatfairvalue" xlink:label="element860" />
        <label xlink:type="resource" xlink:label="label860" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherfinancialliabilitiesatfairvalue_en-US">Other financial liabilities, at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element860" xlink:to="label860" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherfinancialliabilitiesatfairvalue" xlink:label="element861" />
        <label xlink:type="resource" xlink:label="label861" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Otherfinancialliabilitiesatfairvalue_en-US">Total other financial liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element861" xlink:to="label861" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherfinancialliabilitiesatfairvalue" xlink:label="element862" />
        <label xlink:type="resource" xlink:label="label862" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherfinancialliabilitiesatfairvalue_en-US">The amount of other obligations outstanding, at fair value.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element862" xlink:to="label862" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Provisionscommitmentsandguaranteesgiven" xlink:label="element863" />
        <label xlink:type="resource" xlink:label="label863" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Provisionscommitmentsandguaranteesgiven_en-US">Provisions for contingent risks and commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element863" xlink:to="label863" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Provisionscommitmentsandguaranteesgiven" xlink:label="element864" />
        <label xlink:type="resource" xlink:label="label864" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Provisionscommitmentsandguaranteesgiven_en-US">The amount of provisions asociated to commitments and guarantees given. The amount of provisions to cover contingent risk and commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element864" xlink:to="label864" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Taxliabilities" xlink:label="element865" />
        <label xlink:type="resource" xlink:label="label865" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Taxliabilities_en-US">TAX LIABILITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element865" xlink:to="label865" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Taxliabilities" xlink:label="element866" />
        <label xlink:type="resource" xlink:label="label866" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Taxliabilities_en-US">Tax liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element866" xlink:to="label866" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Taxliabilities" xlink:label="element867" />
        <label xlink:type="resource" xlink:label="label867" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Taxliabilities_en-US">The amount of liabilities recognized in the balance that is the sume of Deferred tax liabilities and current tax liabilities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element867" xlink:to="label867" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Unpaidcapitalwhichhasbeencalledup" xlink:label="element868" />
        <label xlink:type="resource" xlink:label="label868" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Unpaidcapitalwhichhasbeencalledup_en-US">Unpaid capital which has been called up</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element868" xlink:to="label868" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Unpaidcapitalwhichhasbeencalledup" xlink:label="element869" />
        <label xlink:type="resource" xlink:label="label869" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Unpaidcapitalwhichhasbeencalledup_en-US">The amount of equity instruments representing ownership of the Entity that have not been completely disbursed but for which complete disbursment has been called.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element869" xlink:to="label869" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Equityinstrumentsissuedotherthancapital" xlink:label="element870" />
        <label xlink:type="resource" xlink:label="label870" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Equityinstrumentsissuedotherthancapital_en-US">Equity Instruments issued other than capital</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element870" xlink:to="label870" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Equityinstrumentsissuedotherthancapital" xlink:label="element871" />
        <label xlink:type="resource" xlink:label="label871" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Equityinstrumentsissuedotherthancapital_en-US">The amount of equity instruments issued represented by other instruments that not capital.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element871" xlink:to="label871" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Reservesoraccumulatedlossesofinvestmentsinsubsidariesjointventuresandassociates" xlink:label="element872" />
        <label xlink:type="resource" xlink:label="label872" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Reservesoraccumulatedlossesofinvestmentsinsubsidariesjointventuresandassociates_en-US">Reserves or accumulated losses of investments in subsidaries, joint ventures and associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element872" xlink:to="label872" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Reservesoraccumulatedlossesofinvestmentsinsubsidariesjointventuresandassociates" xlink:label="element873" />
        <label xlink:type="resource" xlink:label="label873" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Reservesoraccumulatedlossesofinvestmentsinsubsidariesjointventuresandassociates_en-US">The amount of reserves or accumulated losses arise from investments in subsidiaries, joint ventures and associates.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element873" xlink:to="label873" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherotherreserves" xlink:label="element874" />
        <label xlink:type="resource" xlink:label="label874" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherotherreserves_en-US">Other Reserves, other</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element874" xlink:to="label874" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherotherreserves" xlink:label="element875" />
        <label xlink:type="resource" xlink:label="label875" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherotherreserves_en-US">The amount of reserves that have not been classified in any of the categories above. The amount of othes reserves besides those arise from investment in subsidiaries, joint ventures and associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element875" xlink:to="label875" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Valuationadjustments" xlink:label="element876" />
        <label xlink:type="resource" xlink:label="label876" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Valuationadjustments_en-US">Valuation adjustments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element876" xlink:to="label876" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Valuationadjustments" xlink:label="element877" />
        <label xlink:type="resource" xlink:label="label877" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Valuationadjustments_en-US">The amount of the valuation adjustments applied to the minority interest (non-controlling interest)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element877" xlink:to="label877" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Restnoncontrollinginterest" xlink:label="element878" />
        <label xlink:type="resource" xlink:label="label878" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Restnoncontrollinginterest_en-US">Rest non-controlling interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element878" xlink:to="label878" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Restnoncontrollinginterest" xlink:label="element879" />
        <label xlink:type="resource" xlink:label="label879" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Restnoncontrollinginterest_en-US">The amount of non controlling interests gross of valuation adjustments. The amount of the non controlling interest besides the valuation adjustments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element879" xlink:to="label879" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Memorandumitemoffbalancesheetexposuresabstract" xlink:label="element880" />
        <label xlink:type="resource" xlink:label="label880" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Memorandumitemoffbalancesheetexposuresabstract_en-US">MEMORANDUM ITEM (OFF-BALANCE SHEET EXPOSURES)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element880" xlink:to="label880" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonnoncurrentassetsheldforsale" xlink:label="element881" />
        <label xlink:type="resource" xlink:label="label881" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainslossesonnoncurrentassetsheldforsale_en-US">Non-current assets held for sale - Valuation gains or losses taken to equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element881" xlink:to="label881" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonnoncurrentassetsheldforsale" xlink:label="element882" />
        <label xlink:type="resource" xlink:label="label882" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainslossesonnoncurrentassetsheldforsale_en-US">The amount of comprehensive income associated to non-current assets classified as held for sale trasnferred to accumulated comprehensive income.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element882" xlink:to="label882" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Reclassificationadjustmentsonnoncurrentassetsheldforsale" xlink:label="element883" />
        <label xlink:type="resource" xlink:label="label883" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Reclassificationadjustmentsonnoncurrentassetsheldforsale_en-US">Non-current assets held for sale - Transferred to profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element883" xlink:to="label883" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Reclassificationadjustmentsonnoncurrentassetsheldforsale" xlink:label="element884" />
        <label xlink:type="resource" xlink:label="label884" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Reclassificationadjustmentsonnoncurrentassetsheldforsale_en-US">The amount of comprehensive income that has been reclassified to income statament associated to non-current assets classified as held for sale.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element884" xlink:to="label884" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomebeforetaxnoncurrentassetsheldforsale" xlink:label="element885" />
        <label xlink:type="resource" xlink:label="label885" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercomprehensiveincomebeforetaxnoncurrentassetsheldforsale_en-US">Non-current assets held for sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element885" xlink:to="label885" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomebeforetaxnoncurrentassetsheldforsale" xlink:label="element886" />
        <label xlink:type="resource" xlink:label="label886" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercomprehensiveincomebeforetaxnoncurrentassetsheldforsale_en-US">The amount of comprehensive income that may be reclassfied to income statament associated to non-current assets classified as held for sale.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element886" xlink:to="label886" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofprinciplesofconsolidationsaccountingpoliciesandmeasurementbasisandrecentifrspronouncementsabstract" xlink:label="element887" />
        <label xlink:type="resource" xlink:label="label887" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofprinciplesofconsolidationsaccountingpoliciesandmeasurementbasisandrecentifrspronouncementsabstract_en-US">Principles Of Consolidations Accounting Policies And Measurement Basis And Recent IFRS Pronouncements</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element887" xlink:to="label887" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AssetsDomain" xlink:label="element888" />
        <label xlink:type="resource" xlink:label="label888" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AssetsDomain_en-US">Assets Domain</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element888" xlink:to="label888" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesMember" xlink:label="element889" />
        <label xlink:type="resource" xlink:label="label889" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancesMember_en-US">Loans and advances [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element889" xlink:to="label889" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_EquityinstrumentsMember" xlink:label="element890" />
        <label xlink:type="resource" xlink:label="label890" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_EquityinstrumentsMember_en-US">Equity instruments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element890" xlink:to="label890" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsatfairvaluethroughprofitorlossnotclassifiedasheldfortradingMember" xlink:label="element891" />
        <label xlink:type="resource" xlink:label="label891" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsatfairvaluethroughprofitorlossnotclassifiedasheldfortradingMember_en-US">Financial assets at fair value through profit or loss not classified as held for trading [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element891" xlink:to="label891" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CorporateCenterAndOtherAdjustmentsMember" xlink:label="element892" />
        <label xlink:type="resource" xlink:label="label892" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CorporateCenterAndOtherAdjustmentsMember_en-US">Corporate Center and other adjustments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element892" xlink:to="label892" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netdividendspaidordinarysharespershare" xlink:label="element893" />
        <label xlink:type="resource" xlink:label="label893" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Netdividendspaidordinarysharespershare_en-US">Net Dividends Paid per share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element893" xlink:to="label893" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netdividendspaidordinarysharespershare" xlink:label="element894" />
        <label xlink:type="resource" xlink:label="label894" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Netdividendspaidordinarysharespershare_en-US">The amount of net dividends paid per ordinary share.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element894" xlink:to="label894" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GeneralgovernmentMember" xlink:label="element895" />
        <label xlink:type="resource" xlink:label="label895" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GeneralgovernmentMember_en-US">General Government [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element895" xlink:to="label895" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DividensrevenueLineItems" xlink:label="element896" />
        <label xlink:type="resource" xlink:label="label896" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DividensrevenueLineItems_en-US">Dividens Revenue Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element896" xlink:to="label896" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DividendsrevenuetableTable" xlink:label="element897" />
        <label xlink:type="resource" xlink:label="label897" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DividendsrevenuetableTable_en-US">Dividends Revenue Table [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element897" xlink:to="label897" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet" xlink:label="element898" />
        <label xlink:type="resource" xlink:label="label898" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet_en-US">Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss net ( Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element898" xlink:to="label898" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet" xlink:label="element899" />
        <label xlink:type="resource" xlink:label="label899" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet_en-US">Total Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss net ( Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element899" xlink:to="label899" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet" xlink:label="element900" />
        <label xlink:type="resource" xlink:label="label900" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet_en-US">The amount of gains and losses arising fron derecognition of financial assets and liabilities not measured at fair value through profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element900" xlink:to="label900" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetavailableforsalefinancialassets" xlink:label="element901" />
        <label xlink:type="resource" xlink:label="label901" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetavailableforsalefinancialassets_en-US">Financial Assets At Fair Value Available-for-sale, gains (losses) on derecognition of financial instruments not measured at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element901" xlink:to="label901" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetavailableforsalefinancialassets" xlink:label="element902" />
        <label xlink:type="resource" xlink:label="label902" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetavailableforsalefinancialassets_en-US">The amount of gains and losses arising fron derecognition of financial assets and liabilities not measured at fair value through profit or loss, available for sale.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element902" xlink:to="label902" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetother" xlink:label="element903" />
        <label xlink:type="resource" xlink:label="label903" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetother_en-US">Other, Gains or Losses arising from derecognition of financial assets measured at amortised cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element903" xlink:to="label903" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetother" xlink:label="element904" />
        <label xlink:type="resource" xlink:label="label904" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetother_en-US">The amount of gains and losses arising fron derecognition of financial assets and liabilities not measured at fair value through profit or loss, other instruments not directly disclosed.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element904" xlink:to="label904" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences" xlink:label="element905" />
        <label xlink:type="resource" xlink:label="label905" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences_en-US">Gains (Losses) on financial instruments and exchange differences</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element905" xlink:to="label905" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences" xlink:label="element906" />
        <label xlink:type="resource" xlink:label="label906" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences_en-US">Total gains (losses) on financial instruments and exchange differences</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element906" xlink:to="label906" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences" xlink:label="element907" />
        <label xlink:type="resource" xlink:label="label907" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences_en-US">The amount of gains and losses arising from the exchanges differences in financial assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element907" xlink:to="label907" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GainsorlossesOnfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumenttableTable" xlink:label="element908" />
        <label xlink:type="resource" xlink:label="label908" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GainsorlossesOnfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumenttableTable_en-US">Gains Or Losses 0n Financial Assets And Liabilities And Exchanges Differences Breakdown By Financial Instrument Table [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element908" xlink:to="label908" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems" xlink:label="element909" />
        <label xlink:type="resource" xlink:label="label909" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems_en-US">Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element909" xlink:to="label909" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesinfinancialassetsandliabilities" xlink:label="element910" />
        <label xlink:type="resource" xlink:label="label910" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsorlossesinfinancialassetsandliabilities_en-US">Equity Instruments, gains (losses) on financial instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element910" xlink:to="label910" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesinfinancialassetsandliabilities" xlink:label="element911" />
        <label xlink:type="resource" xlink:label="label911" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Gainsorlossesinfinancialassetsandliabilities_en-US">Total Gains (losses) on financial assets and liabilities (net)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element911" xlink:to="label911" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesinfinancialassetsandliabilities" xlink:label="element912" />
        <label xlink:type="resource" xlink:label="label912" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsorlossesinfinancialassetsandliabilities_en-US">The amount of gains and losses arising from financial assets and liabilities and exchange differences.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element912" xlink:to="label912" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Administrationcost" xlink:label="element913" />
        <label xlink:type="resource" xlink:label="label913" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Administrationcost_en-US">Administration Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element913" xlink:to="label913" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Administrationcost" xlink:label="element914" />
        <label xlink:type="resource" xlink:label="label914" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Administrationcost_en-US">The amount of gains (losses) associated to administrative expenses and employee benefits.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element914" xlink:to="label914" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentorreversalofimpairmentinvestmentsinsubsidiariesjointventuresandassociates" xlink:label="element915" />
        <label xlink:type="resource" xlink:label="label915" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmentorreversalofimpairmentinvestmentsinsubsidiariesjointventuresandassociates_en-US">Impairment Or Reversal Of Impairment Investments In Subsidiaries Joint Ventures And Associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element915" xlink:to="label915" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentorreversalofimpairmentinvestmentsinsubsidiariesjointventuresandassociates" xlink:label="element916" />
        <label xlink:type="resource" xlink:label="label916" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Impairmentorreversalofimpairmentinvestmentsinsubsidiariesjointventuresandassociates_en-US">The amount of impairment (reversal of impairment) associated to investments in subsidiaries, joint ventures and associated.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element916" xlink:to="label916" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentorreversalofimpairmentonnonfinancialassets" xlink:label="element917" />
        <label xlink:type="resource" xlink:label="label917" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmentorreversalofimpairmentonnonfinancialassets_en-US">Impairment Or Reversal Of Impairment On Non Financial Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element917" xlink:to="label917" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentorreversalofimpairmentonnonfinancialassets" xlink:label="element918" />
        <label xlink:type="resource" xlink:label="label918" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Impairmentorreversalofimpairmentonnonfinancialassets_en-US">The amount of impairment (reversal of impairment) associated to non financial assets. The amount of impairment or reversal of impairment which arise from non financial assets, as tangible assets, intangible assets and other non financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element918" xlink:to="label918" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Negativegoodwillrecognisedonprofitandloss" xlink:label="element919" />
        <label xlink:type="resource" xlink:label="label919" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Negativegoodwillrecognisedonprofitandloss_en-US">Negative GoodWill Recognised On Profit And Loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element919" xlink:to="label919" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Negativegoodwillrecognisedonprofitandloss" xlink:label="element920" />
        <label xlink:type="resource" xlink:label="label920" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Negativegoodwillrecognisedonprofitandloss_en-US">The amount of negative goodwill recognized in profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element920" xlink:to="label920" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations1" xlink:label="element921" />
        <label xlink:type="resource" xlink:label="label921" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations1_en-US">Profit or loss from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Income Statement)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element921" xlink:to="label921" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations1" xlink:label="element922" />
        <label xlink:type="resource" xlink:label="label922" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations1_en-US">The amount of gains (losses) arising from non-current assets and disposal groups classifed as held for sale.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element922" xlink:to="label922" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepreciationandamortisationexpenseLineItems" xlink:label="element923" />
        <label xlink:type="resource" xlink:label="label923" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepreciationandamortisationexpenseLineItems_en-US">Depreciation And Amortisation Expense Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element923" xlink:to="label923" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepreciationandamortisationexpensetablesTable" xlink:label="element924" />
        <label xlink:type="resource" xlink:label="label924" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepreciationandamortisationexpensetablesTable_en-US">Depreciation And Amortisation Expense Tables [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element924" xlink:to="label924" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepreciableassetsaxisAxis" xlink:label="element925" />
        <label xlink:type="resource" xlink:label="label925" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepreciableassetsaxisAxis_en-US">Depreciable Assets Axis [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element925" xlink:to="label925" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepreciableassetsDomain" xlink:label="element926" />
        <label xlink:type="resource" xlink:label="label926" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepreciableassetsDomain_en-US">Depreciable Assets Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element926" xlink:to="label926" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ForownuseDepreciableAssetsMember" xlink:label="element927" />
        <label xlink:type="resource" xlink:label="label927" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ForownuseDepreciableAssetsMember_en-US">For Own Use Depreciable Assets [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element927" xlink:to="label927" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsondisposalsofsubsidiaries" xlink:label="element928" />
        <label xlink:type="resource" xlink:label="label928" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsondisposalsofsubsidiaries_en-US">Gains On Disposals Of Investment in Subsidiaries</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element928" xlink:to="label928" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsondisposalsofsubsidiaries" xlink:label="element929" />
        <label xlink:type="resource" xlink:label="label929" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsondisposalsofsubsidiaries_en-US">The total amount of gains on disposal of subsidiaries.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element929" xlink:to="label929" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Lossesondisposalsofsubsidiaries" xlink:label="element930" />
        <label xlink:type="resource" xlink:label="label930" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Lossesondisposalsofsubsidiaries_en-US">Losses On Disposals Of Investment in Subsidiaries</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element930" xlink:to="label930" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Lossesondisposalsofsubsidiaries" xlink:label="element931" />
        <label xlink:type="resource" xlink:label="label931" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Lossesondisposalsofsubsidiaries_en-US">The total amount of losses on disposal of subsidiaries.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element931" xlink:to="label931" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netgainslossonsales" xlink:label="element932" />
        <label xlink:type="resource" xlink:label="label932" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Netgainslossonsales_en-US">Net Gains Loss On Real State Sales</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element932" xlink:to="label932" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netgainslossonsales" xlink:label="element933" />
        <label xlink:type="resource" xlink:label="label933" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Netgainslossonsales_en-US">Net gains or losses on disposal of tangible and intangible assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element933" xlink:to="label933" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsheldfortradingabstract" xlink:label="element934" />
        <label xlink:type="resource" xlink:label="label934" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialassetsheldfortradingabstract_en-US">Financial Assets Held For Trading Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element934" xlink:to="label934" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtinstrumentsheldfortrading" xlink:label="element935" />
        <label xlink:type="resource" xlink:label="label935" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Debtinstrumentsheldfortrading_en-US">Debt Instruments Held For Trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element935" xlink:to="label935" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtinstrumentsheldfortrading" xlink:label="element936" />
        <label xlink:type="resource" xlink:label="label936" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Debtinstrumentsheldfortrading_en-US">The amount of debt instruments held for trading. [Refer: Debt instruments; Debt instruments at fair value through profit or loss, classified as held for trading]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element936" xlink:to="label936" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Equityinstrumentsheldfortrading" xlink:label="element937" />
        <label xlink:type="resource" xlink:label="label937" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Equityinstrumentsheldfortrading_en-US">Equity Instruments Held For Trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element937" xlink:to="label937" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Equityinstrumentsheldfortrading" xlink:label="element938" />
        <label xlink:type="resource" xlink:label="label938" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Equityinstrumentsheldfortrading_en-US">The amount of equity instruments held for trading. [Refer: Equity instrument at fair value through profit or loss, classified as held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element938" xlink:to="label938" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialliabilitiesheldfortradingabstract" xlink:label="element939" />
        <label xlink:type="resource" xlink:label="label939" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialliabilitiesheldfortradingabstract_en-US">Financial Liabilities Held For Trading Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element939" xlink:to="label939" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_StatesandpoliticalsubdivisionsMember" xlink:label="element940" />
        <label xlink:type="resource" xlink:label="label940" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_StatesandpoliticalsubdivisionsMember_en-US">States And Political Subdivisions [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element940" xlink:to="label940" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherissuersMember" xlink:label="element941" />
        <label xlink:type="resource" xlink:label="label941" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherissuersMember_en-US">Other Issuers [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element941" xlink:to="label941" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesloansandadvances" xlink:label="element942" />
        <label xlink:type="resource" xlink:label="label942" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Debtsecuritiesloansandadvances_en-US">Debt Securities Financial Assets at Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element942" xlink:to="label942" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesloansandadvances" xlink:label="element943" />
        <label xlink:type="resource" xlink:label="label943" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Debtsecuritiesloansandadvances_en-US">Total Debt Securities Financial Assets at Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element943" xlink:to="label943" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesloansandadvances" xlink:label="element944" />
        <label xlink:type="resource" xlink:label="label944" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Debtsecuritiesloansandadvances_en-US">The amount of debt securities held by the entity, recognized financial assets at amortized cost.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element944" xlink:to="label944" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditcarddebtMember" xlink:label="element945" />
        <label xlink:type="resource" xlink:label="label945" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditcarddebtMember_en-US">Credit Card Debt [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element945" xlink:to="label945" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RepurchaseagreementsMember" xlink:label="element946" />
        <label xlink:type="resource" xlink:label="label946" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RepurchaseagreementsMember_en-US">Repurchase Agreements [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element946" xlink:to="label946" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OthertermloansMember" xlink:label="element947" />
        <label xlink:type="resource" xlink:label="label947" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OthertermloansMember_en-US">Other Term Loans [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element947" xlink:to="label947" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AdvancesthatarenotloansMember" xlink:label="element948" />
        <label xlink:type="resource" xlink:label="label948" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AdvancesthatarenotloansMember_en-US">Advances That Are Not Loans [Member]</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_WorkinprogressMember" xlink:label="element951" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AssestsleasedoutunderanoperatingleaseMember" xlink:label="element954" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoftaxassetsandliabiltiesabstract" xlink:label="element955" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoftaxassetsandliabiltiiesexplanatory" xlink:label="element956" />
        <label xlink:type="resource" xlink:label="label956" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureoftaxassetsandliabiltiiesexplanatory_en-US">Disclosure Of Tax Assets And Liabiltiies Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element956" xlink:to="label956" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoftaxassetsandliabiltiiesexplanatory" xlink:label="element957" />
        <label xlink:type="resource" xlink:label="label957" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureoftaxassetsandliabiltiiesexplanatory_en-US">Text Block which displays the disclusure of tax assets and liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element957" xlink:to="label957" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Descriptionofchangesingroupabstract" xlink:label="element958" />
        <label xlink:type="resource" xlink:label="label958" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Descriptionofchangesingroupabstract_en-US">Description Of Changes In Group Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element958" xlink:to="label958" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositswithagreedmaturityMember" xlink:label="element959" />
        <label xlink:type="resource" xlink:label="label959" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositswithagreedmaturityMember_en-US">Deposits With Agreed Maturity [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element959" xlink:to="label959" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositsfrombanksbreakdownbygeographyTable" xlink:label="element960" />
        <label xlink:type="resource" xlink:label="label960" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositsfrombanksbreakdownbygeographyTable_en-US">Deposits From Banks Breakdown By Geography Table [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element960" xlink:to="label960" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DemanddepositsandotherMember" xlink:label="element961" />
        <label xlink:type="resource" xlink:label="label961" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DemanddepositsandotherMember_en-US">Demand Deposits And Other [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element961" xlink:to="label961" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RestofeuropeMember" xlink:label="element962" />
        <label xlink:type="resource" xlink:label="label962" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RestofeuropeMember_en-US">Rest Of Europe [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element962" xlink:to="label962" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositsfromcustomersbygeographicalareaandinstrumentTable" xlink:label="element963" />
        <label xlink:type="resource" xlink:label="label963" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositsfromcustomersbygeographicalareaandinstrumentTable_en-US">Deposits From Customers By Geographical Area And Instrument [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element963" xlink:to="label963" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherfinancialliabilitiesLineItems" xlink:label="element964" />
        <label xlink:type="resource" xlink:label="label964" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherfinancialliabilitiesLineItems_en-US">Other Financial Liabilities Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element964" xlink:to="label964" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherfinancialliabilitiestableTable" xlink:label="element965" />
        <label xlink:type="resource" xlink:label="label965" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherfinancialliabilitiestableTable_en-US">Other Financial Liabilities Table [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element965" xlink:to="label965" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherfinancialliabilitiesDomain" xlink:label="element966" />
        <label xlink:type="resource" xlink:label="label966" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherfinancialliabilitiesDomain_en-US">Other Financial Liabilities Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element966" xlink:to="label966" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditorsforotherfinancialliabilitiesMember" xlink:label="element967" />
        <label xlink:type="resource" xlink:label="label967" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditorsforotherfinancialliabilitiesMember_en-US">Creditors For Other Financial Liabilities Member [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element967" xlink:to="label967" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CollectionaccountsMember" xlink:label="element968" />
        <label xlink:type="resource" xlink:label="label968" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CollectionaccountsMember_en-US">Collection Accounts Member [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element968" xlink:to="label968" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditorsforotherpaymentobligationsMember" xlink:label="element969" />
        <label xlink:type="resource" xlink:label="label969" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditorsforotherpaymentobligationsMember_en-US">Creditors For Other Payment Obligations Member [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element969" xlink:to="label969" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance" xlink:label="element970" />
        <label xlink:type="resource" xlink:label="label970" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance_en-US">Items that will not be reclassified to profit or loss balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element970" xlink:to="label970" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance" xlink:label="element971" />
        <label xlink:type="resource" xlink:label="label971" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance_en-US">Total Items that will not be reclassified to profit or loss balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element971" xlink:to="label971" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance" xlink:label="element972" />
        <label xlink:type="resource" xlink:label="label972" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance_en-US">The amount of other comprehensive income associated to items that will not be reclassfied to profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element972" xlink:to="label972" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance" xlink:label="element973" />
        <label xlink:type="resource" xlink:label="label973" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance_en-US">Actuarial gains or (-) losses on defined benefit pension plans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element973" xlink:to="label973" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance" xlink:label="element974" />
        <label xlink:type="resource" xlink:label="label974" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance_en-US">The amount of accumulated other comprehensive income associated to remeasurement of defined benefit obligations.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element974" xlink:to="label974" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance" xlink:label="element975" />
        <label xlink:type="resource" xlink:label="label975" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance_en-US">Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element975" xlink:to="label975" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance" xlink:label="element976" />
        <label xlink:type="resource" xlink:label="label976" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance_en-US">The amount of accumulated other comprehensive income that will not be reclassified to profit or loss associated to joint ventures accounted for using the equity method.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element976" xlink:to="label976" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance" xlink:label="element977" />
        <label xlink:type="resource" xlink:label="label977" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance_en-US">Hedge of net investments in foreign operations(effective portion)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element977" xlink:to="label977" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance" xlink:label="element978" />
        <label xlink:type="resource" xlink:label="label978" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance_en-US">The amount of comprehensive income associated to cash flow hedges. Investments in foreign operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element978" xlink:to="label978" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance" xlink:label="element979" />
        <label xlink:type="resource" xlink:label="label979" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance_en-US">Foreign currency translation balance</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element979" xlink:to="label979" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance" xlink:label="element980" />
        <label xlink:type="resource" xlink:label="label980" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance_en-US">The amount of comprehensive income associated to cash flow hedges. Exchange differences on translation</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element980" xlink:to="label980" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance" xlink:label="element981" />
        <label xlink:type="resource" xlink:label="label981" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance_en-US">Hedging derivatives.Cash flow hedges(efffective portion)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element981" xlink:to="label981" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance" xlink:label="element982" />
        <label xlink:type="resource" xlink:label="label982" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance_en-US">The amount of comprehensive income associated to the income tax of cash flow hedges.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element982" xlink:to="label982" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance" xlink:label="element983" />
        <label xlink:type="resource" xlink:label="label983" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance_en-US">Non-current assets and disposal groups classified as held for sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element983" xlink:to="label983" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance" xlink:label="element984" />
        <label xlink:type="resource" xlink:label="label984" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance_en-US">The amount of accumulated other comprehensive income that will may be reclassified to profir or loss associated to non - current assets classified as held for sale.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element984" xlink:to="label984" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance" xlink:label="element985" />
        <label xlink:type="resource" xlink:label="label985" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance_en-US">Share of other recognized income and expense of investments in subsidiaries joint ventures and associates</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element985" xlink:to="label985" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance" xlink:label="element986" />
        <label xlink:type="resource" xlink:label="label986" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance_en-US">The amount of accumulated other comprehensive income that will may be reclassified to profit or loss associated to joint ventures accounted for using the equity method.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element986" xlink:to="label986" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Riskmanagementabstract" xlink:label="element987" />
        <label xlink:type="resource" xlink:label="label987" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Riskmanagementabstract_en-US">Risk Management Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element987" xlink:to="label987" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesbreakdownbycounterparty" xlink:label="element988" />
        <label xlink:type="resource" xlink:label="label988" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancesbreakdownbycounterparty_en-US">Loans And Advances Breakdown By Counterparty</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element988" xlink:to="label988" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesbreakdownbycounterparty" xlink:label="element989" />
        <label xlink:type="resource" xlink:label="label989" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancesbreakdownbycounterparty_en-US">Table which displays the loans and advances, breakdown by counterparty</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element989" xlink:to="label989" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesimpairedandaccumulatedimpairment" xlink:label="element990" />
        <label xlink:type="resource" xlink:label="label990" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancesimpairedandaccumulatedimpairment_en-US">Loans And Advances Impaired And Accumulated Impairment by Sectors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element990" xlink:to="label990" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesimpairedandaccumulatedimpairment" xlink:label="element991" />
        <label xlink:type="resource" xlink:label="label991" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancesimpairedandaccumulatedimpairment_en-US">Table which displays the loans and advances impaired and accumulated imparment by sectors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element991" xlink:to="label991" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Changesinimpairedfinancialassetsandcontingentrisks" xlink:label="element992" />
        <label xlink:type="resource" xlink:label="label992" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Changesinimpairedfinancialassetsandcontingentrisks_en-US">Changes In Impaired Financial Assets And Contingent Risks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element992" xlink:to="label992" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Changesinimpairedfinancialassetsandcontingentrisks" xlink:label="element993" />
        <label xlink:type="resource" xlink:label="label993" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Changesinimpairedfinancialassetsandcontingentrisks_en-US">Table which displays the changes in impaired financial assets and contingent risks</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element993" xlink:to="label993" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditexposureLineItems" xlink:label="element994" />
        <label xlink:type="resource" xlink:label="label994" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditexposureLineItems_en-US">Credit Exposure Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element994" xlink:to="label994" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditexposureTable" xlink:label="element995" />
        <label xlink:type="resource" xlink:label="label995" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditexposureTable_en-US">Credit Exposure [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element995" xlink:to="label995" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherfinancialinstitutionsMember" xlink:label="element996" />
        <label xlink:type="resource" xlink:label="label996" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherfinancialinstitutionsMember_en-US">Other Financial Institutions [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element996" xlink:to="label996" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CorporateentitiesMember" xlink:label="element997" />
        <label xlink:type="resource" xlink:label="label997" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CorporateentitiesMember_en-US">Corporate Entities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element997" xlink:to="label997" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Bbb3Member" xlink:label="element998" />
        <label xlink:type="resource" xlink:label="label998" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Bbb3Member_en-US">BBB - [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element998" xlink:to="label998" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinanceleasesMember" xlink:label="element999" />
        <label xlink:type="resource" xlink:label="label999" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinanceleasesMember_en-US">Finance Leases [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element999" xlink:to="label999" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Additionsofimpairedassets" xlink:label="element1000" />
        <label xlink:type="resource" xlink:label="label1000" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Additionsofimpairedassets_en-US">Additions Of Impaired Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1000" xlink:to="label1000" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Additionsofimpairedassets" xlink:label="element1001" />
        <label xlink:type="resource" xlink:label="label1001" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Additionsofimpairedassets_en-US">The gross amount arising from additions of impaired assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1001" xlink:to="label1001" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Decreaseofimpairedassets" xlink:label="element1002" />
        <label xlink:type="resource" xlink:label="label1002" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Decreaseofimpairedassets_en-US">Decrease Of Impaired Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1002" xlink:to="label1002" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Decreaseofimpairedassets" xlink:label="element1003" />
        <label xlink:type="resource" xlink:label="label1003" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Decreaseofimpairedassets_en-US">The gross amount arising from decrease of impaired assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1003" xlink:to="label1003" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems" xlink:label="element1004" />
        <label xlink:type="resource" xlink:label="label1004" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems_en-US">Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1004" xlink:to="label1004" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectortableTable" xlink:label="element1005" />
        <label xlink:type="resource" xlink:label="label1005" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectortableTable_en-US">Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Table [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1005" xlink:to="label1005" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestobanksheldfortrading" xlink:label="element1006" />
        <label xlink:type="resource" xlink:label="label1006" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancestobanksheldfortrading_en-US">Loans And Advances To Banks Held For Trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1006" xlink:to="label1006" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestobanksheldfortrading" xlink:label="element1007" />
        <label xlink:type="resource" xlink:label="label1007" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancestobanksheldfortrading_en-US">The amount of loans and advances to banks classified as held for trading.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1007" xlink:to="label1007" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesatfairvale" xlink:label="element1008" />
        <label xlink:type="resource" xlink:label="label1008" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Debtsecuritiesatfairvale_en-US">Debt Securities, at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1008" xlink:to="label1008" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesatfairvale" xlink:label="element1009" />
        <label xlink:type="resource" xlink:label="label1009" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Debtsecuritiesatfairvale_en-US">The amount of debt instruments held, at fair value.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1009" xlink:to="label1009" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Actuarialgainsandlossesfromdefinedbenefitpensionplans" xlink:label="element1010" />
        <label xlink:type="resource" xlink:label="label1010" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Actuarialgainsandlossesfromdefinedbenefitpensionplans_en-US">Actuarial gains and losses from defined benefit pension plans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1010" xlink:to="label1010" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Actuarialgainsandlossesfromdefinedbenefitpensionplans" xlink:label="element1011" />
        <label xlink:type="resource" xlink:label="label1011" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Actuarialgainsandlossesfromdefinedbenefitpensionplans_en-US">The amount of comprehensive income associated to acturial gains and losses form defined benefit plans. The amount of the items not subjet to reclassification to income statement corresponding to actuarial gains and losses from defined benefit pension plans.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1011" xlink:to="label1011" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Noncurrentassestsavailableforsale" xlink:label="element1012" />
        <label xlink:type="resource" xlink:label="label1012" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Noncurrentassestsavailableforsale_en-US">Non-current assests available for sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1012" xlink:to="label1012" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Noncurrentassestsavailableforsale" xlink:label="element1013" />
        <label xlink:type="resource" xlink:label="label1013" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_bbva_Noncurrentassestsavailableforsale_en-US">Non-current assets and disposal groups classified as held for sale Balance at the Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1013" xlink:to="label1013" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Noncurrentassestsavailableforsale" xlink:label="element1014" />
        <label xlink:type="resource" xlink:label="label1014" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_bbva_Noncurrentassestsavailableforsale_en-US">Non-current assets and disposal groups classified as held for sale Balance at the End</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1014" xlink:to="label1014" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Noncurrentassestsavailableforsale" xlink:label="element1015" />
        <label xlink:type="resource" xlink:label="label1015" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Noncurrentassestsavailableforsale_en-US">The amount of comprehensive income that will not be reclassfied to income statement associated to non-current assets available for sale. The amount of the items not subjet to reclassification to income statement corresponding to non-current assets and disposal groups held for sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1015" xlink:to="label1015" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclassificationscomprehensiveincomebeforetaxhedgesofnetinvestmentsinforeignoperations" xlink:label="element1016" />
        <label xlink:type="resource" xlink:label="label1016" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherreclassificationscomprehensiveincomebeforetaxhedgesofnetinvestmentsinforeignoperations_en-US">Hedge of net investments in foreign operations [effective portion] - Other reclassifications</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1016" xlink:to="label1016" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclassificationscomprehensiveincomebeforetaxhedgesofnetinvestmentsinforeignoperations" xlink:label="element1017" />
        <label xlink:type="resource" xlink:label="label1017" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherreclassificationscomprehensiveincomebeforetaxhedgesofnetinvestmentsinforeignoperations_en-US">The amount of comprehenvise income that may be reclassfied to income statement associated to other reclassifications on hedges of net investment in foreign operations. The amount of other reclasifications corresponding to hedge of net investments in foreign operations. Items subject to reclassification to income statement</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1017" xlink:to="label1017" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclassificationscomprehensiveincomebeforetaxexchangedifferencesontranslation" xlink:label="element1018" />
        <label xlink:type="resource" xlink:label="label1018" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherreclassificationscomprehensiveincomebeforetaxexchangedifferencesontranslation_en-US">Foreign currency translation - Other reclassifications</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1018" xlink:to="label1018" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclassificationscomprehensiveincomebeforetaxexchangedifferencesontranslation" xlink:label="element1019" />
        <label xlink:type="resource" xlink:label="label1019" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherreclassificationscomprehensiveincomebeforetaxexchangedifferencesontranslation_en-US">The amount of comprehensive income that may be reclassfied to income statement associated to other reclassifications on exchange differences on traslation. The amount of other reclasifications corresponding to foreign currency translation. Items subject to reclassification to income statement</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1019" xlink:to="label1019" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclasificationcomprehensiveincomebeforetaxcashflowhedges" xlink:label="element1020" />
        <label xlink:type="resource" xlink:label="label1020" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherreclasificationcomprehensiveincomebeforetaxcashflowhedges_en-US">Cash Flow Hedges [effective portion] - Other reclassifications</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1020" xlink:to="label1020" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclasificationcomprehensiveincomebeforetaxcashflowhedges" xlink:label="element1021" />
        <label xlink:type="resource" xlink:label="label1021" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherreclasificationcomprehensiveincomebeforetaxcashflowhedges_en-US">The amount of comprehensive income that may be reclassfied to income statement associated to other reclassifications on cash flow hedges. The amount of other reclasifications corresponding to cash flow hedges. Items subject to reclassification to income statement</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1021" xlink:to="label1021" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclassificationscomprehensiveincomebeforetaxnoncurrentassetsheldforsale" xlink:label="element1022" />
        <label xlink:type="resource" xlink:label="label1022" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherreclassificationscomprehensiveincomebeforetaxnoncurrentassetsheldforsale_en-US">Non-current assets held for sale - Other reclassifications</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1022" xlink:to="label1022" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclassificationscomprehensiveincomebeforetaxnoncurrentassetsheldforsale" xlink:label="element1023" />
        <label xlink:type="resource" xlink:label="label1023" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherreclassificationscomprehensiveincomebeforetaxnoncurrentassetsheldforsale_en-US">The amount of comprehensive income that may be reclassfied to income statement associated to other reclassifications on non-current assets classified as held for sale.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1023" xlink:to="label1023" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashflowsfromusedinoperationsassets" xlink:label="element1024" />
        <label xlink:type="resource" xlink:label="label1024" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Cashflowsfromusedinoperationsassets_en-US">Net increase/decrease in operating assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1024" xlink:to="label1024" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashflowsfromusedinoperationsassets" xlink:label="element1025" />
        <label xlink:type="resource" xlink:label="label1025" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Cashflowsfromusedinoperationsassets_en-US">The cash flows from operation assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1025" xlink:to="label1025" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsfordecreaseincreaseinotherfinancialassetsdesignatedatfairvaluetthroughprofitorloss" xlink:label="element1026" />
        <label xlink:type="resource" xlink:label="label1026" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Adjustmentsfordecreaseincreaseinotherfinancialassetsdesignatedatfairvaluetthroughprofitorloss_en-US">Other financial assets designated at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1026" xlink:to="label1026" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsfordecreaseincreaseinotherfinancialassetsdesignatedatfairvaluetthroughprofitorloss" xlink:label="element1027" />
        <label xlink:type="resource" xlink:label="label1027" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Adjustmentsfordecreaseincreaseinotherfinancialassetsdesignatedatfairvaluetthroughprofitorloss_en-US">Adjustments for increase (decrease) in the value of financial assets at fair value through profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1027" xlink:to="label1027" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashflowsfromusedinoperationsliabilities" xlink:label="element1028" />
        <label xlink:type="resource" xlink:label="label1028" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Cashflowsfromusedinoperationsliabilities_en-US">Net increase/Decrease in operating liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1028" xlink:to="label1028" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashflowsfromusedinoperationsliabilities" xlink:label="element1029" />
        <label xlink:type="resource" xlink:label="label1029" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Cashflowsfromusedinoperationsliabilities_en-US">The cash flows from operation liabilities. The amount of net increase/decrease in operating liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1029" xlink:to="label1029" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsforincreasedecreaseinotherfinancialliabilitiesdesignatedatfairvaluethroughprofitorloss" xlink:label="element1030" />
        <label xlink:type="resource" xlink:label="label1030" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Adjustmentsforincreasedecreaseinotherfinancialliabilitiesdesignatedatfairvaluethroughprofitorloss_en-US">Other financial liabilities designated at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1030" xlink:to="label1030" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsforincreasedecreaseinotherfinancialliabilitiesdesignatedatfairvaluethroughprofitorloss" xlink:label="element1031" />
        <label xlink:type="resource" xlink:label="label1031" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Adjustmentsforincreasedecreaseinotherfinancialliabilitiesdesignatedatfairvaluethroughprofitorloss_en-US">Adjustments for increase (decrease) in the value of financial liabilities at fair value through profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1031" xlink:to="label1031" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsforincreasedecreaseinfinancialliabilitiesatamortizedcost" xlink:label="element1032" />
        <label xlink:type="resource" xlink:label="label1032" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Adjustmentsforincreasedecreaseinfinancialliabilitiesatamortizedcost_en-US">Financial liabilities at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1032" xlink:to="label1032" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsforincreasedecreaseinfinancialliabilitiesatamortizedcost" xlink:label="element1033" />
        <label xlink:type="resource" xlink:label="label1033" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Adjustmentsforincreasedecreaseinfinancialliabilitiesatamortizedcost_en-US">Adjustments for increase (decrease) in the value of financial liabilities at amortized cost.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1033" xlink:to="label1033" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Purchaseoftangibleassetsclassifiedasinvestingactivities" xlink:label="element1034" />
        <label xlink:type="resource" xlink:label="label1034" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Purchaseoftangibleassetsclassifiedasinvestingactivities_en-US">Investments - Tangible assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1034" xlink:to="label1034" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Purchaseoftangibleassetsclassifiedasinvestingactivities" xlink:label="element1035" />
        <label xlink:type="resource" xlink:label="label1035" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Purchaseoftangibleassetsclassifiedasinvestingactivities_en-US">The cash outflows done for the purchase of tangible assets classified as investing activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1035" xlink:to="label1035" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Proceedsfromothercollectionsrelatedtoinvestingactivities" xlink:label="element1036" />
        <label xlink:type="resource" xlink:label="label1036" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Proceedsfromothercollectionsrelatedtoinvestingactivities_en-US">Disinvestments - Other collections related to investing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1036" xlink:to="label1036" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Proceedsfromothercollectionsrelatedtoinvestingactivities" xlink:label="element1037" />
        <label xlink:type="resource" xlink:label="label1037" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Proceedsfromothercollectionsrelatedtoinvestingactivities_en-US">The proceed from collections related to investing activities. The amount of other collections realted to investing activities classified as divestments, corresponding to cash flow from investing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1037" xlink:to="label1037" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Paymentsfortreasurystockamortization" xlink:label="element1038" />
        <label xlink:type="resource" xlink:label="label1038" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Paymentsfortreasurystockamortization_en-US">Treasury stock amortization</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1038" xlink:to="label1038" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Paymentsfortreasurystockamortization" xlink:label="element1039" />
        <label xlink:type="resource" xlink:label="label1039" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Paymentsfortreasurystockamortization_en-US">The cash outflows for treasury stock amortization. The amount of treasury stock amortization classified as payments, corrsponding to cash flow from financing activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1039" xlink:to="label1039" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Paymentsfortreasurystockacquisition" xlink:label="element1040" />
        <label xlink:type="resource" xlink:label="label1040" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Paymentsfortreasurystockacquisition_en-US">Treasury stock aquisition</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1040" xlink:to="label1040" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Paymentsfortreasurystockacquisition" xlink:label="element1041" />
        <label xlink:type="resource" xlink:label="label1041" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Paymentsfortreasurystockacquisition_en-US">The cash outflows for treasury stock acquisition. The amount of treasury stock acquisition classified as payments, corrsponding to cash flow from financing activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1041" xlink:to="label1041" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheroutflowsofcashclassifiedasfinancingactivities" xlink:label="element1042" />
        <label xlink:type="resource" xlink:label="label1042" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otheroutflowsofcashclassifiedasfinancingactivities_en-US">Other items relating to financing activities (Investments)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1042" xlink:to="label1042" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otheroutflowsofcashclassifiedasfinancingactivities" xlink:label="element1043" />
        <label xlink:type="resource" xlink:label="label1043" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otheroutflowsofcashclassifiedasfinancingactivities_en-US">Other cash outflows not related to any of the disclosures previously shown for financing activities. The amount of other items relating to financing activities classified as payments, corresponding to cash flow from financing activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1043" xlink:to="label1043" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Investmentsinfinancingactivities" xlink:label="element1044" />
        <label xlink:type="resource" xlink:label="label1044" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Investmentsinfinancingactivities_en-US">Investments - FINANCING ACTIVITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1044" xlink:to="label1044" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Investmentsinfinancingactivities" xlink:label="element1045" />
        <label xlink:type="resource" xlink:label="label1045" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Investmentsinfinancingactivities_en-US">The cash outflows for investments classified as financing activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1045" xlink:to="label1045" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disinvestmentsinfinancingactivities" xlink:label="element1046" />
        <label xlink:type="resource" xlink:label="label1046" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disinvestmentsinfinancingactivities_en-US">Disinvestments - FINANCING ACTIVITIES</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1046" xlink:to="label1046" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disinvestmentsinfinancingactivities" xlink:label="element1047" />
        <label xlink:type="resource" xlink:label="label1047" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disinvestmentsinfinancingactivities_en-US">The cash inflows for disinvestments classified as financing activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1047" xlink:to="label1047" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Proceedsfromtreasurystockincrease" xlink:label="element1048" />
        <label xlink:type="resource" xlink:label="label1048" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Proceedsfromtreasurystockincrease_en-US">Treasury stock increase</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1048" xlink:to="label1048" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Proceedsfromtreasurystockincrease" xlink:label="element1049" />
        <label xlink:type="resource" xlink:label="label1049" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Proceedsfromtreasurystockincrease_en-US">The proceeds from treasury stock increase. The amount of treasury stock increase classified as collections, corresponding to cash flow from financing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1049" xlink:to="label1049" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Proceedsfromtreasurystockdisposal" xlink:label="element1050" />
        <label xlink:type="resource" xlink:label="label1050" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Proceedsfromtreasurystockdisposal_en-US">Treasury stock disposal</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1050" xlink:to="label1050" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Proceedsfromtreasurystockdisposal" xlink:label="element1051" />
        <label xlink:type="resource" xlink:label="label1051" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Proceedsfromtreasurystockdisposal_en-US">The proceeds from treasury stock disposal. The amount of treasury stock disposal classified as collections, corresponding to cash flow from financing activities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1051" xlink:to="label1051" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherinflowsofcashclassifiedasfinancingactivities" xlink:label="element1052" />
        <label xlink:type="resource" xlink:label="label1052" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherinflowsofcashclassifiedasfinancingactivities_en-US">Other items relating to financing activities (Disinvestments)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1052" xlink:to="label1052" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherinflowsofcashclassifiedasfinancingactivities" xlink:label="element1053" />
        <label xlink:type="resource" xlink:label="label1053" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherinflowsofcashclassifiedasfinancingactivities_en-US">Other cash inflows not related to any of the disclosures previously shown for financing activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1053" xlink:to="label1053" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Noncontrolinginterestexplanatory" xlink:label="element1054" />
        <label xlink:type="resource" xlink:label="label1054" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Noncontrolinginterestexplanatory_en-US">Non controling interest explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1054" xlink:to="label1054" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Noncontrolinginterestexplanatory" xlink:label="element1055" />
        <label xlink:type="resource" xlink:label="label1055" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Noncontrolinginterestexplanatory_en-US">Table which displays the non-controlling interest, clasified by concepts.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1055" xlink:to="label1055" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Profitatributabletononcontrolinginterest" xlink:label="element1056" />
        <label xlink:type="resource" xlink:label="label1056" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Profitatributabletononcontrolinginterest_en-US">Profit atributable to Non controling interest</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1056" xlink:to="label1056" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Profitatributabletononcontrolinginterest" xlink:label="element1057" />
        <label xlink:type="resource" xlink:label="label1057" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Profitatributabletononcontrolinginterest_en-US">Table which displays the profit loss attributable to non controlling interests</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1057" xlink:to="label1057" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Numberofoutstandingshares" xlink:label="element1058" />
        <label xlink:type="resource" xlink:label="label1058" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Numberofoutstandingshares_en-US">Number Of Outstanding Share Options</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1058" xlink:to="label1058" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Numberofoutstandingshares" xlink:label="element1059" />
        <label xlink:type="resource" xlink:label="label1059" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Numberofoutstandingshares_en-US">The number of sharess outstanding at a given time. The total number of theoretical shares accumulated derived from the remuneration system with deferred delivery of shares for the non-executive directors</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1059" xlink:to="label1059" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations" xlink:label="element1060" />
        <label xlink:type="resource" xlink:label="label1060" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations_en-US">Profit or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1060" xlink:to="label1060" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations" xlink:label="element1061" />
        <label xlink:type="resource" xlink:label="label1061" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations_en-US">Net gains or losses on disposal of non-current assets classified as held for sale.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1061" xlink:to="label1061" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations" xlink:label="element1062" />
        <label xlink:type="resource" xlink:label="label1062" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations_en-US">Total Profit or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1062" xlink:to="label1062" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Noncontrollinginterest" xlink:label="element1063" />
        <label xlink:type="resource" xlink:label="label1063" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Noncontrollinginterest_en-US">Total Non Controlling Interests</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1063" xlink:to="label1063" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Noncontrollinginterest" xlink:label="element1064" />
        <label xlink:type="resource" xlink:label="label1064" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Noncontrollinginterest_en-US">The total amount of non controlling interest, of total equity, corresponding to the breakdown by groups of consolidated entities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1064" xlink:to="label1064" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Itemsthatmaybereclassifiedtoprofitorloss" xlink:label="element1065" />
        <label xlink:type="resource" xlink:label="label1065" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Itemsthatmaybereclassifiedtoprofitorloss_en-US">Items that may be reclasified to profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1065" xlink:to="label1065" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Itemsthatmaybereclassifiedtoprofitorloss" xlink:label="element1066" />
        <label xlink:type="resource" xlink:label="label1066" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Itemsthatmaybereclassifiedtoprofitorloss_en-US">Total Items that may be reclassified to profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1066" xlink:to="label1066" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Itemsthatmaybereclassifiedtoprofitorloss" xlink:label="element1067" />
        <label xlink:type="resource" xlink:label="label1067" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Itemsthatmaybereclassifiedtoprofitorloss_en-US">The amount of other comprehensive income associated to items that may be reclassfied to profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1067" xlink:to="label1067" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherfinancialliabilitiesaxisAxis" xlink:label="element1068" />
        <label xlink:type="resource" xlink:label="label1068" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherfinancialliabilitiesaxisAxis_en-US">Other Financial Liabilities [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1068" xlink:to="label1068" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DemanddepositsandothergeographicalareaMember" xlink:label="element1069" />
        <label xlink:type="resource" xlink:label="label1069" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DemanddepositsandothergeographicalareaMember_en-US">Demand Deposits And Other By Geographical Area [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1069" xlink:to="label1069" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositswithagreedmaturitygeographicalareaMember" xlink:label="element1070" />
        <label xlink:type="resource" xlink:label="label1070" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositswithagreedmaturitygeographicalareaMember_en-US">Deposits With Agreed Maturity By Geographical Area [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1070" xlink:to="label1070" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RepurchaseagreementsgeographicalareaMember" xlink:label="element1071" />
        <label xlink:type="resource" xlink:label="label1071" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RepurchaseagreementsgeographicalareaMember_en-US">Repurchase Agreements By Geographical Area [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1071" xlink:to="label1071" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis" xlink:label="element1072" />
        <label xlink:type="resource" xlink:label="label1072" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis_en-US">Financial Liabilities At Amortized Cost By Geographical Area [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1072" xlink:to="label1072" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ProducttypologybygeographicalareaDomain" xlink:label="element1073" />
        <label xlink:type="resource" xlink:label="label1073" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ProducttypologybygeographicalareaDomain_en-US">Product Typology By Geographical Area [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1073" xlink:to="label1073" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Profitlossattributabletoownersofparentshareholdersfunds" xlink:label="element1074" />
        <label xlink:type="resource" xlink:label="label1074" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Profitlossattributabletoownersofparentshareholdersfunds_en-US">Profits or losses attributables to owners of the parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1074" xlink:to="label1074" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Profitlossattributabletoownersofparentshareholdersfunds" xlink:label="element1075" />
        <label xlink:type="resource" xlink:label="label1075" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Profitlossattributabletoownersofparentshareholdersfunds_en-US">The profit (loss) attributable to owners of the parent. [Refer: Profit (loss)]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1075" xlink:to="label1075" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CounterpartiesavaialbleforsaleAxis" xlink:label="element1076" />
        <label xlink:type="resource" xlink:label="label1076" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CounterpartiesavaialbleforsaleAxis_en-US">Counter parties available for sale [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1076" xlink:to="label1076" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CounterpartiesavaialbleforsaleDomain" xlink:label="element1077" />
        <label xlink:type="resource" xlink:label="label1077" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CounterpartiesavaialbleforsaleDomain_en-US">Counter parties available for sale [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1077" xlink:to="label1077" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GeographyequityinstrumentsAxis" xlink:label="element1078" />
        <label xlink:type="resource" xlink:label="label1078" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GeographyequityinstrumentsAxis_en-US">Geography Equity Instruments [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1078" xlink:to="label1078" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GeographyequityinstrumentsDomain" xlink:label="element1079" />
        <label xlink:type="resource" xlink:label="label1079" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GeographyequityinstrumentsDomain_en-US">Geography Equity Instruments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1079" xlink:to="label1079" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BreakdownofavailableforsaleinvestmentTable" xlink:label="element1080" />
        <label xlink:type="resource" xlink:label="label1080" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BreakdownofavailableforsaleinvestmentTable_en-US">Break down of available for sale investment [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1080" xlink:to="label1080" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GeographyavailablelforsaleAxis" xlink:label="element1081" />
        <label xlink:type="resource" xlink:label="label1081" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GeographyavailablelforsaleAxis_en-US">Geography available for sale [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1081" xlink:to="label1081" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Assetsleasedoutunderanoperatinglease" xlink:label="element1082" />
        <label xlink:type="resource" xlink:label="label1082" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Assetsleasedoutunderanoperatinglease_en-US">Assets leased out under an operating lease</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1082" xlink:to="label1082" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Assetsleasedoutunderanoperatinglease" xlink:label="element1083" />
        <label xlink:type="resource" xlink:label="label1083" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Assetsleasedoutunderanoperatinglease_en-US">The amount of tangible assets that are leased out under an operating lease. Reflect the amount of an assets that are leased out under operating leases.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1083" xlink:to="label1083" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Balancesheetparatheticalabstract" xlink:label="element1084" />
        <label xlink:type="resource" xlink:label="label1084" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Balancesheetparatheticalabstract_en-US">Balance Sheet Parathetical Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1084" xlink:to="label1084" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalchangesinequity" xlink:label="element1085" />
        <label xlink:type="resource" xlink:label="label1085" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalchangesinequity_en-US">Total Changes in Equity</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1085" xlink:to="label1085" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalchangesinequity" xlink:label="element1086" />
        <label xlink:type="resource" xlink:label="label1086" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalchangesinequity_en-US">The total amount of changes in equity that have occured in the reporting perido. The increase (decrease) in equity. [Refer: Equity]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1086" xlink:to="label1086" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositsfrombanksbreakdownbygeographyAxis" xlink:label="element1087" />
        <label xlink:type="resource" xlink:label="label1087" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositsfrombanksbreakdownbygeographyAxis_en-US">Deposits from banks breakdown by geography [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1087" xlink:to="label1087" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositsfrombanksbreakdownbygeographyDomain" xlink:label="element1088" />
        <label xlink:type="resource" xlink:label="label1088" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositsfrombanksbreakdownbygeographyDomain_en-US">Deposits from banks breakdown by geography [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1088" xlink:to="label1088" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GeographydepositsfrombanksAxis" xlink:label="element1089" />
        <label xlink:type="resource" xlink:label="label1089" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GeographydepositsfrombanksAxis_en-US">Geography Of Deposits From Banks [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1089" xlink:to="label1089" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GeographydepositsfromcustomersAxis" xlink:label="element1090" />
        <label xlink:type="resource" xlink:label="label1090" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GeographydepositsfromcustomersAxis_en-US">Geography deposits from customers [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1090" xlink:to="label1090" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_GeographydepositsfromcustomersDomain" xlink:label="element1091" />
        <label xlink:type="resource" xlink:label="label1091" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_GeographydepositsfromcustomersDomain_en-US">Geography Of Deposits From Customers [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1091" xlink:to="label1091" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IssuedinForeigncurrencyMember" xlink:label="element1092" />
        <label xlink:type="resource" xlink:label="label1092" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IssuedinForeigncurrencyMember_en-US">Issued in Foreign Currency [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1092" xlink:to="label1092" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureofclassesofsharecapitalAxis" xlink:label="element1093" />
        <label xlink:type="resource" xlink:label="label1093" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureofclassesofsharecapitalAxis_en-US">Disclosure of Classes Of Share Capital Axis</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1093" xlink:to="label1093" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureclassesofsharecapitalDomain" xlink:label="element1094" />
        <label xlink:type="resource" xlink:label="label1094" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureclassesofsharecapitalDomain_en-US">Disclosure Classes Of Share Capital [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1094" xlink:to="label1094" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditexposureclassesoffinancialinstrumentsAxis" xlink:label="element1095" />
        <label xlink:type="resource" xlink:label="label1095" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditexposureclassesoffinancialinstrumentsAxis_en-US">Credit Exposure, Classes Of Financial Instruments [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1095" xlink:to="label1095" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DocumentandentityinformationAbstract" xlink:label="element1096" />
        <label xlink:type="resource" xlink:label="label1096" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DocumentandentityinformationAbstract_en-US">Document and Entity Information</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1096" xlink:to="label1096" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofsignificantaccountigpoliciesabstract" xlink:label="element1097" />
        <label xlink:type="resource" xlink:label="label1097" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofsignificantaccountigpoliciesabstract_en-US">Disclosure of significant accountig policies abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1097" xlink:to="label1097" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashandcashequivalentsstatementsofcashflows" xlink:label="element1098" />
        <label xlink:type="resource" xlink:label="label1098" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Cashandcashequivalentsstatementsofcashflows_en-US">Cash And Cash Equivalents Statements Of Cash Flows</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1098" xlink:to="label1098" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashandcashequivalentsstatementsofcashflows" xlink:label="element1099" />
        <label xlink:type="resource" xlink:label="label1099" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xml:lang="en-US" id="periodStart_bbva_Cashandcashequivalentsstatementsofcashflows_en-US">Cash And Cash Equivalents Statements Of Cash Flows at the beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1099" xlink:to="label1099" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashandcashequivalentsstatementsofcashflows" xlink:label="element1100" />
        <label xlink:type="resource" xlink:label="label1100" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xml:lang="en-US" id="periodEnd_bbva_Cashandcashequivalentsstatementsofcashflows_en-US">Cash And Cash Equivalents Statements Of Cash Flows at the end</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1100" xlink:to="label1100" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashandcashequivalentsstatementsofcashflows" xlink:label="element1101" />
        <label xlink:type="resource" xlink:label="label1101" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Cashandcashequivalentsstatementsofcashflows_en-US">CASH, CASH BALANCES AT CENTRAL BANKS AND OTHER DEMAND DEPOSITS</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1101" xlink:to="label1101" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Cashandcashequivalentsstatementsofcashflows" xlink:label="element1102" />
        <label xlink:type="resource" xlink:label="label1102" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Cashandcashequivalentsstatementsofcashflows_en-US">The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1102" xlink:to="label1102" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofcashandcashequivalentsexplanatory" xlink:label="element1103" />
        <label xlink:type="resource" xlink:label="label1103" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofcashandcashequivalentsexplanatory_en-US">Cash, Cash balances at central banks and other demand deposit</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1103" xlink:to="label1103" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofcashandcashequivalentsexplanatory" xlink:label="element1104" />
        <label xlink:type="resource" xlink:label="label1104" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofcashandcashequivalentsexplanatory_en-US">Table which displays the cash, cash balances at central banks and other demand deposits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1104" xlink:to="label1104" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory" xlink:label="element1105" />
        <label xlink:type="resource" xlink:label="label1105" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory_en-US">Financial Instruments designated at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1105" xlink:to="label1105" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory" xlink:label="element1106" />
        <label xlink:type="resource" xlink:label="label1106" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory_en-US">Table which displays the Financial Instruments designated at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1106" xlink:to="label1106" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoffinancialliabilitiesexplanatory" xlink:label="element1107" />
        <label xlink:type="resource" xlink:label="label1107" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableoffinancialliabilitiesexplanatory_en-US">Other Financial Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1107" xlink:to="label1107" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoffinancialliabilitiesexplanatory" xlink:label="element1108" />
        <label xlink:type="resource" xlink:label="label1108" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableoffinancialliabilitiesexplanatory_en-US">Table which displays other financial liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1108" xlink:to="label1108" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofdepreciationandamortisationexpenseexplanatory" xlink:label="element1109" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofprovisionsexplanatory" xlink:label="element1111" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalstatedebtMember" xlink:label="element1113" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis" xlink:label="element1114" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1114" xlink:to="label1114" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentDomain" xlink:label="element1115" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorDomain" xlink:label="element1117" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofotherassetsandliabilitiesexplanatory" xlink:label="element1119" />
        <label xlink:type="resource" xlink:label="label1119" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofotherassetsandliabilitiesexplanatory_en-US">Table which displays other assets and liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1119" xlink:to="label1119" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoffinancialliabilitiesatamortizedcostexplanatory" xlink:label="element1120" />
        <label xlink:type="resource" xlink:label="label1120" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableoffinancialliabilitiesatamortizedcostexplanatory_en-US">Table of Financial liabiltiies measured at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1120" xlink:to="label1120" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoffinancialliabilitiesatamortizedcostexplanatory" xlink:label="element1121" />
        <label xlink:type="resource" xlink:label="label1121" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableoffinancialliabilitiesatamortizedcostexplanatory_en-US">Table which displays the financial liabilities at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1121" xlink:to="label1121" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofdividendincomeexplanatory" xlink:label="element1122" />
        <label xlink:type="resource" xlink:label="label1122" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofdividendincomeexplanatory_en-US">Table of Dividend Income</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofdividendincomeexplanatory" xlink:label="element1123" />
        <label xlink:type="resource" xlink:label="label1123" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofdividendincomeexplanatory_en-US">Table which displays the dividend income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1123" xlink:to="label1123" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory" xlink:label="element1124" />
        <label xlink:type="resource" xlink:label="label1124" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory_en-US">Other Operating Income and Expenses on Insurance and reinsurance contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1124" xlink:to="label1124" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory" xlink:label="element1125" />
        <label xlink:type="resource" xlink:label="label1125" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory_en-US">Table which displays the other operating income and expenses on insurance and reinsurance contracts</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1125" xlink:to="label1125" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory" xlink:label="element1126" />
        <label xlink:type="resource" xlink:label="label1126" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory_en-US">Table of Impairment or Reversal of Impairment on financial assets not measured at fair value through profir or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1126" xlink:to="label1126" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory" xlink:label="element1127" />
        <label xlink:type="resource" xlink:label="label1127" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory_en-US">Table which displays the impairment or reversal of Impairment on financial assets not measured at fair value through profir or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1127" xlink:to="label1127" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory" xlink:label="element1128" />
        <label xlink:type="resource" xlink:label="label1128" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory_en-US">Table of Impairment or Reversal of Impairment on non-financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1128" xlink:to="label1128" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory" xlink:label="element1129" />
        <label xlink:type="resource" xlink:label="label1129" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory_en-US">Table which displays the Impairment or Reversal of Impairment on non-financial assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1129" xlink:to="label1129" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory" xlink:label="element1130" />
        <label xlink:type="resource" xlink:label="label1130" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory_en-US">Table of Gains (losses) on derecognition of non financial assets and subsidiaries, Net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1130" xlink:to="label1130" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory" xlink:label="element1131" />
        <label xlink:type="resource" xlink:label="label1131" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory_en-US">Table which displays the Gains (losses) on derecognition of non financial assets and subsidiaries, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1131" xlink:to="label1131" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory" xlink:label="element1132" />
        <label xlink:type="resource" xlink:label="label1132" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory_en-US">Table of Profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1132" xlink:to="label1132" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory" xlink:label="element1133" />
        <label xlink:type="resource" xlink:label="label1133" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory_en-US">Table which displays the profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1133" xlink:to="label1133" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofleverageratio" xlink:label="element1134" />
        <label xlink:type="resource" xlink:label="label1134" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofleverageratio_en-US">Table of Leverage Ratio</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1134" xlink:to="label1134" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1135" xlink:to="label1135" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Feeandcommissionincomegroupentities" xlink:label="element1136" />
        <label xlink:type="resource" xlink:label="label1136" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Feeandcommissionincomegroupentities_en-US">Fee And Commission Income</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Feeandcommissionincomegroupentities" xlink:label="element1137" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1137" xlink:to="label1137" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Feeandcommissionexpensegroupentities" xlink:label="element1138" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Feeandcommissionexpensegroupentities" xlink:label="element1139" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1139" xlink:to="label1139" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Paidupcapital" xlink:label="element1140" />
        <label xlink:type="resource" xlink:label="label1140" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Paidupcapital_en-US">Paid up capital</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Paidupcapital" xlink:label="element1141" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1141" xlink:to="label1141" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonfinancialliabilitiesassetsatfairvaluethroughprofitorlossclassifiedasheldfortrading" xlink:label="element1142" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonfinancialliabilitiesassetsatfairvaluethroughprofitorlossclassifiedasheldfortrading" xlink:label="element1143" />
        <label xlink:type="resource" xlink:label="label1143" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainslossesonfinancialliabilitiesassetsatfairvaluethroughprofitorlossclassifiedasheldfortrading_en-US">The amount of gains or losses on financial assets (liabilities) classified as held for trading.</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonfinancialassetsliabilitiesatfairvaluethroughprofitorloss" xlink:label="element1144" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1146" xlink:to="label1146" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations" xlink:label="element1147" />
        <label xlink:type="resource" xlink:label="label1147" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations_en-US">Investments - Non current assets held for sale and associated liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1147" xlink:to="label1147" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations" xlink:label="element1148" />
        <label xlink:type="resource" xlink:label="label1148" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations_en-US">The cash outflows done for the purchase of non -current assets or disposal groups classified as held for sale and discontinued operations, classified as investing activities.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1148" xlink:to="label1148" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationfornonexecutivedirectorsnumberofsharesTable" xlink:label="element1149" />
        <label xlink:type="resource" xlink:label="label1149" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationfornonexecutivedirectorsnumberofsharesTable_en-US">Remuneration For Non Executive Directors, Number of shares [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1149" xlink:to="label1149" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis" xlink:label="element1150" />
        <label xlink:type="resource" xlink:label="label1150" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis_en-US">Remuneration For Non Executive Directors, Number of shares [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1150" xlink:to="label1150" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationfornonexecutivedirectorsnumberofsharesDomain" xlink:label="element1151" />
        <label xlink:type="resource" xlink:label="label1151" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationfornonexecutivedirectorsnumberofsharesDomain_en-US">Remuneration For Non Executive Directors, Number of shares [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1151" xlink:to="label1151" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Changesequityabstract" xlink:label="element1152" />
        <label xlink:type="resource" xlink:label="label1152" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Changesequityabstract_en-US">Changes in Equity Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1152" xlink:to="label1152" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalfinancialassetsriskMember" xlink:label="element1153" />
        <label xlink:type="resource" xlink:label="label1153" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalfinancialassetsriskMember_en-US">Total Financial Assets Risk [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1153" xlink:to="label1153" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsTable" xlink:label="element1154" />
        <label xlink:type="resource" xlink:label="label1154" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsTable_en-US">Type of cash, cash balances at central banks and other demand deposits [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1154" xlink:to="label1154" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis" xlink:label="element1155" />
        <label xlink:type="resource" xlink:label="label1155" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis_en-US">Type of cash, cash balances at central banks and other demand deposits [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1155" xlink:to="label1155" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsDomain" xlink:label="element1156" />
        <label xlink:type="resource" xlink:label="label1156" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsDomain_en-US">Type of cash, cash balances at central banks and other demand deposits [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1156" xlink:to="label1156" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CashbalanceatcentralbanksMember" xlink:label="element1157" />
        <label xlink:type="resource" xlink:label="label1157" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CashbalanceatcentralbanksMember_en-US">Cash balances at central banks [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1157" xlink:to="label1157" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherdemanddepositsMember" xlink:label="element1158" />
        <label xlink:type="resource" xlink:label="label1158" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherdemanddepositsMember_en-US">Other demand deposits [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1158" xlink:to="label1158" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostLineItems" xlink:label="element1159" />
        <label xlink:type="resource" xlink:label="label1159" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostLineItems_en-US">Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1159" xlink:to="label1159" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Statementofcashflowschangesabstract" xlink:label="element1160" />
        <label xlink:type="resource" xlink:label="label1160" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Statementofcashflowschangesabstract_en-US">Statement Of Cash Flows Changes Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1160" xlink:to="label1160" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageoftotalshare" xlink:label="element1161" />
        <label xlink:type="resource" xlink:label="label1161" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Percentageoftotalshare_en-US">Percentage of total share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1161" xlink:to="label1161" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageoftotalshare" xlink:label="element1162" />
        <label xlink:type="resource" xlink:label="label1162" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Percentageoftotalshare_en-US">The percentage that the company owns in total, including acquisitions. The total amount of shares which arise from the main trasnsactions in the group in the exercise referred</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1162" xlink:to="label1162" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Contractedpriceineuros" xlink:label="element1163" />
        <label xlink:type="resource" xlink:label="label1163" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Contractedpriceineuros_en-US">Contracted price in euros</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1163" xlink:to="label1163" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Contractedpriceineuros" xlink:label="element1164" />
        <label xlink:type="resource" xlink:label="label1164" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Contractedpriceineuros_en-US">The amount of money contracted for an specific agreement, in euros</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1164" xlink:to="label1164" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Wholebussinesvalue" xlink:label="element1165" />
        <label xlink:type="resource" xlink:label="label1165" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Wholebussinesvalue_en-US">Whole bussines value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1165" xlink:to="label1165" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Wholebussinesvalue" xlink:label="element1166" />
        <label xlink:type="resource" xlink:label="label1166" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Wholebussinesvalue_en-US">The approach of a whole bussines value. The gross book value of the whole business related with the main transactions in the group in the exercise referred</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1166" xlink:to="label1166" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Contractedpriceinothercurrencies" xlink:label="element1167" />
        <label xlink:type="resource" xlink:label="label1167" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Contractedpriceinothercurrencies_en-US">Contracted price in other currencies</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1167" xlink:to="label1167" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Contractedpriceinothercurrencies" xlink:label="element1168" />
        <label xlink:type="resource" xlink:label="label1168" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Contractedpriceinothercurrencies_en-US">The amount of money contracted for an specific agreement, in other currency</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1168" xlink:to="label1168" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Purchaseoftreasurysharespercentage" xlink:label="element1169" />
        <label xlink:type="resource" xlink:label="label1169" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Purchaseoftreasurysharespercentage_en-US">Purchase Of Treasury Shares, Percentage</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1169" xlink:to="label1169" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Purchaseoftreasurysharespercentage" xlink:label="element1170" />
        <label xlink:type="resource" xlink:label="label1170" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Purchaseoftreasurysharespercentage_en-US">The amount of treasury shares acquired, in percentage. The amount of treasury shares shown in percentage of the acquisition in the main transactions in the group in the exercise referred</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1170" xlink:to="label1170" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofprovisions" xlink:label="element1171" />
        <label xlink:type="resource" xlink:label="label1171" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofprovisions_en-US">Disclosure of Provisions</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1171" xlink:to="label1171" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofprovisions" xlink:label="element1172" />
        <label xlink:type="resource" xlink:label="label1172" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofprovisions_en-US">Text Block which displays the disclosure of provisions explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1172" xlink:to="label1172" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue" xlink:label="element1173" />
        <label xlink:type="resource" xlink:label="label1173" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue_en-US">Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1173" xlink:to="label1173" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue" xlink:label="element1174" />
        <label xlink:type="resource" xlink:label="label1174" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue_en-US">Total Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1174" xlink:to="label1174" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue" xlink:label="element1175" />
        <label xlink:type="resource" xlink:label="label1175" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue_en-US">The amount of Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss. Financial assets non held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1175" xlink:to="label1175" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Equityinstrumentsmandatorilymeasuredatfairvalue" xlink:label="element1176" />
        <label xlink:type="resource" xlink:label="label1176" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Equityinstrumentsmandatorilymeasuredatfairvalue_en-US">Equity Instruments Mandatorily Measured At Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1176" xlink:to="label1176" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Equityinstrumentsmandatorilymeasuredatfairvalue" xlink:label="element1177" />
        <label xlink:type="resource" xlink:label="label1177" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Equityinstrumentsmandatorilymeasuredatfairvalue_en-US">The amount of equity instruments classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1177" xlink:to="label1177" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue" xlink:label="element1178" />
        <label xlink:type="resource" xlink:label="label1178" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue_en-US">Debt Securities At Fair Vale Mandatorily Measured At Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1178" xlink:to="label1178" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue" xlink:label="element1179" />
        <label xlink:type="resource" xlink:label="label1179" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue_en-US">The amount of debt securities classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1179" xlink:to="label1179" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue" xlink:label="element1180" />
        <label xlink:type="resource" xlink:label="label1180" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue_en-US">Loans And Advances To Customers Mandatorily Measured At Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1180" xlink:to="label1180" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue" xlink:label="element1181" />
        <label xlink:type="resource" xlink:label="label1181" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue_en-US">The amount of loans and advances to customers classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1181" xlink:to="label1181" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalequityinstrumentsatfairvaluethroughothercomprehensiveincome" xlink:label="element1182" />
        <label xlink:type="resource" xlink:label="label1182" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Subtotalequityinstrumentsatfairvaluethroughothercomprehensiveincome_en-US">Subtotal Equity instruments At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1182" xlink:to="label1182" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotalequityinstrumentsatfairvaluethroughothercomprehensiveincome" xlink:label="element1183" />
        <label xlink:type="resource" xlink:label="label1183" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Subtotalequityinstrumentsatfairvaluethroughothercomprehensiveincome_en-US">The amount of equity instruments clasified as financial assets at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1183" xlink:to="label1183" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotaldebtinstrumentsatfairvaluethroughothercomprehensiveincome" xlink:label="element1184" />
        <label xlink:type="resource" xlink:label="label1184" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Subtotaldebtinstrumentsatfairvaluethroughothercomprehensiveincome_en-US">Subtotal Debt Instruments At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1184" xlink:to="label1184" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Subtotaldebtinstrumentsatfairvaluethroughothercomprehensiveincome" xlink:label="element1185" />
        <label xlink:type="resource" xlink:label="label1185" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Subtotaldebtinstrumentsatfairvaluethroughothercomprehensiveincome_en-US">The amount of debt instruments clasified as financial assets at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1185" xlink:to="label1185" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue" xlink:label="element1186" />
        <label xlink:type="resource" xlink:label="label1186" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue_en-US">Other Comprehensive Income Net Of Tax Change At fair Value Of Equity Instruments Measured At Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1186" xlink:to="label1186" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue" xlink:label="element1187" />
        <label xlink:type="resource" xlink:label="label1187" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue_en-US">The amount of accumulated other comprehensive income that will not be reclassified to income.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1187" xlink:to="label1187" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome" xlink:label="element1188" />
        <label xlink:type="resource" xlink:label="label1188" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome_en-US">Hedge ineffectiveness of fair value hedge for equity instruments measured at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1188" xlink:to="label1188" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome" xlink:label="element1189" />
        <label xlink:type="resource" xlink:label="label1189" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome_en-US">Total Hedge ineffectiveness of fair value hedge for equity instruments measured at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1189" xlink:to="label1189" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome" xlink:label="element1190" />
        <label xlink:type="resource" xlink:label="label1190" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome_en-US">The amount of Hedge ineffectiveness of fair value hedge for equity instruments measured at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1190" xlink:to="label1190" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedgedItem" xlink:label="element1191" />
        <label xlink:type="resource" xlink:label="label1191" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedgedItem_en-US">Fair value changes of equity instruments measured at fair value through other comprehensive income [hedged item]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1191" xlink:to="label1191" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedgedItem" xlink:label="element1192" />
        <label xlink:type="resource" xlink:label="label1192" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_FairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedgedItem_en-US">The amount of fair value changes of equity instruments, measured at fair value through other comprehensive income [hedged item]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1192" xlink:to="label1192" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedginginstrument" xlink:label="element1193" />
        <label xlink:type="resource" xlink:label="label1193" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Fairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedginginstrument_en-US">Fair value changes of equity instruments measured at fair value through other comprehensive income hedging instrument</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1193" xlink:to="label1193" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedginginstrument" xlink:label="element1194" />
        <label xlink:type="resource" xlink:label="label1194" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Fairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedginginstrument_en-US">The amount of Fair value changes of equity instruments measured at fair value through other comprehensive income hedging instrument</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1194" xlink:to="label1194" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk" xlink:label="element1195" />
        <label xlink:type="resource" xlink:label="label1195" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk_en-US">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1195" xlink:to="label1195" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk" xlink:label="element1196" />
        <label xlink:type="resource" xlink:label="label1196" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk_en-US">The amount of Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1196" xlink:to="label1196" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome" xlink:label="element1197" />
        <label xlink:type="resource" xlink:label="label1197" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome_en-US">Changes In The Fair Value Of Debt Instruments Measured At Fair Value With Changes In Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1197" xlink:to="label1197" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome" xlink:label="element1198" />
        <label xlink:type="resource" xlink:label="label1198" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome_en-US">The amount of comprehensive income associated to debt securities, available for sale, during the exercise.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1198" xlink:to="label1198" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxofhedginginstruments" xlink:label="element1199" />
        <label xlink:type="resource" xlink:label="label1199" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Othercomprehensiveincomenetoftaxofhedginginstruments_en-US">Other Comprehensive Income Net Of Tax Of Hedging Instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1199" xlink:to="label1199" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Othercomprehensiveincomenetoftaxofhedginginstruments" xlink:label="element1200" />
        <label xlink:type="resource" xlink:label="label1200" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Othercomprehensiveincomenetoftaxofhedginginstruments_en-US">The amount of comprehensive income associated to equity instruments, available for sale, during the exercise.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1200" xlink:to="label1200" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonfinancialassetsnotdesignatedasheldforsalethroughprofitorlossmandatorilymeasuredatfairvalue" xlink:label="element1201" />
        <label xlink:type="resource" xlink:label="label1201" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainslossesonfinancialassetsnotdesignatedasheldforsalethroughprofitorlossmandatorilymeasuredatfairvalue_en-US">Gains Losses On Financial Assets Not Designated As Held For Sale Through Profit Or Loss Mandatorily Measured At Fair Value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1201" xlink:to="label1201" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonfinancialassetsnotdesignatedasheldforsalethroughprofitorlossmandatorilymeasuredatfairvalue" xlink:label="element1202" />
        <label xlink:type="resource" xlink:label="label1202" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainslossesonfinancialassetsnotdesignatedasheldforsalethroughprofitorlossmandatorilymeasuredatfairvalue_en-US">The amount of gains (losses) on financial assets not designated as held for sale through profit or loss, mandatorily measured at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1202" xlink:to="label1202" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsfairvaluethroughothercomprehensiveincome" xlink:label="element1203" />
        <label xlink:type="resource" xlink:label="label1203" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialassetsfairvaluethroughothercomprehensiveincome_en-US">Financial Assets Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1203" xlink:to="label1203" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsfairvaluethroughothercomprehensiveincome" xlink:label="element1204" />
        <label xlink:type="resource" xlink:label="label1204" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Financialassetsfairvaluethroughothercomprehensiveincome_en-US">The amount of Financial Assets Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1204" xlink:to="label1204" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedasmeasuredfairvaluethroughothercomprehensiveincome" xlink:label="element1205" />
        <label xlink:type="resource" xlink:label="label1205" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedasmeasuredfairvaluethroughothercomprehensiveincome_en-US">Fair Value Of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1205" xlink:to="label1205" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedasmeasuredfairvaluethroughothercomprehensiveincome" xlink:label="element1206" />
        <label xlink:type="resource" xlink:label="label1206" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedasmeasuredfairvaluethroughothercomprehensiveincome_en-US">The amount of the items not subjet to reclassification to income statement corresponding to the fair value changes of equity instruments measured at fair value throught other comprehensive income, net</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1206" xlink:to="label1206" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesincreditrisk" xlink:label="element1207" />
        <label xlink:type="resource" xlink:label="label1207" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesincreditrisk_en-US">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in credit risk</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1207" xlink:to="label1207" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesincreditrisk" xlink:label="element1208" />
        <label xlink:type="resource" xlink:label="label1208" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesincreditrisk_en-US">The amount of the items not subjet to reclassification to income statement corresponding to the fair value changes of financial liabilities at fair value throght profit or loss attributable to changes in their credit risk</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1208" xlink:to="label1208" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatfairvaluethroughothercomprehensiveincome" xlink:label="element1209" />
        <label xlink:type="resource" xlink:label="label1209" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatfairvaluethroughothercomprehensiveincome_en-US">Adjustments For Decrease Increase In Financial Assets At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1209" xlink:to="label1209" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatfairvaluethroughothercomprehensiveincome" xlink:label="element1210" />
        <label xlink:type="resource" xlink:label="label1210" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatfairvaluethroughothercomprehensiveincome_en-US">The amount of financial assets at fair value throught other comprehensive income. Net increase/decrease in operating assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1210" xlink:to="label1210" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatamortisedcost" xlink:label="element1211" />
        <label xlink:type="resource" xlink:label="label1211" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatamortisedcost_en-US">Adjustments For Decrease Increase In Financial Assets At Amortised Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1211" xlink:to="label1211" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatamortisedcost" xlink:label="element1212" />
        <label xlink:type="resource" xlink:label="label1212" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatamortisedcost_en-US">The amount of loans and receivables corresponding to net increase/decrease in operating assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1212" xlink:to="label1212" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DerivativestradingsandhedgingMember" xlink:label="element1213" />
        <label xlink:type="resource" xlink:label="label1213" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DerivativestradingsandhedgingMember_en-US">Derivatives tradings and hedging [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1213" xlink:to="label1213" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtsecuritiesfinancialassetsatfairvaluethroughothercomprehensiveincomeMember" xlink:label="element1214" />
        <label xlink:type="resource" xlink:label="label1214" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DebtsecuritiesfinancialassetsatfairvaluethroughothercomprehensiveincomeMember_en-US">Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1214" xlink:to="label1214" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_EquityinstrumentsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember" xlink:label="element1215" />
        <label xlink:type="resource" xlink:label="label1215" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_EquityinstrumentsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember_en-US">Equity Instruments Financial Assets At Fair Value Through Other Comprehensive Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1215" xlink:to="label1215" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsandliabilitiesheldfortradingLineItems" xlink:label="element1216" />
        <label xlink:type="resource" xlink:label="label1216" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsandliabilitiesheldfortradingLineItems_en-US">Financial assets and liabilities held for trading Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1216" xlink:to="label1216" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiestableTable" xlink:label="element1217" />
        <label xlink:type="resource" xlink:label="label1217" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiestableTable_en-US">Financial assets and liabilities held for trading Debt Securities [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1217" xlink:to="label1217" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis" xlink:label="element1218" />
        <label xlink:type="resource" xlink:label="label1218" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis_en-US">Financial assets and liabilities held for trading [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1218" xlink:to="label1218" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesdomainDomain" xlink:label="element1219" />
        <label xlink:type="resource" xlink:label="label1219" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesdomainDomain_en-US">Financial assets and liabilities held for trading [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1219" xlink:to="label1219" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsatfairvaluethroughprofitorloss" xlink:label="element1220" />
        <label xlink:type="resource" xlink:label="label1220" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Depositsatfairvaluethroughprofitorloss_en-US">Deposits at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1220" xlink:to="label1220" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsatfairvaluethroughprofitorloss" xlink:label="element1221" />
        <label xlink:type="resource" xlink:label="label1221" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Depositsatfairvaluethroughprofitorloss_en-US">The amount of deposits corresponding to financial liabilities designated at fair value throught profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1221" xlink:to="label1221" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesatfairvaluethroughprofitorloss" xlink:label="element1222" />
        <label xlink:type="resource" xlink:label="label1222" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Debtsecuritiesatfairvaluethroughprofitorloss_en-US">Debt securities at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1222" xlink:to="label1222" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtsecuritiesatfairvaluethroughprofitorloss" xlink:label="element1223" />
        <label xlink:type="resource" xlink:label="label1223" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Debtsecuritiesatfairvaluethroughprofitorloss_en-US">The amount of debt securities corresponding to financial liabilities designated at fair value throught profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1223" xlink:to="label1223" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory" xlink:label="element1224" />
        <label xlink:type="resource" xlink:label="label1224" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory_en-US">Disclosure Of Financial Assets At Fair Value Through Other Comprehensive Income Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1224" xlink:to="label1224" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory" xlink:label="element1225" />
        <label xlink:type="resource" xlink:label="label1225" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory_en-US">Table which displays the financial assets at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1225" xlink:to="label1225" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities" xlink:label="element1226" />
        <label xlink:type="resource" xlink:label="label1226" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities_en-US">Financial Assets At Fair Value Through Other Comprehensive Income Debt Securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1226" xlink:to="label1226" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities" xlink:label="element1227" />
        <label xlink:type="resource" xlink:label="label1227" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities_en-US">Table which displays the financial assets at fair value through other comprehensive income, in particular debt securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1227" xlink:to="label1227" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyrating" xlink:label="element1228" />
        <label xlink:type="resource" xlink:label="label1228" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyrating_en-US">Financial Assets At Fair Value Through Other Comprehensive Income Debt Securities By Rating</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1228" xlink:to="label1228" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyrating" xlink:label="element1229" />
        <label xlink:type="resource" xlink:label="label1229" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyrating_en-US">Table which displays the financial assets at fair value through other comprehensive income, in particular debt securities by ranking</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1229" xlink:to="label1229" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments" xlink:label="element1230" />
        <label xlink:type="resource" xlink:label="label1230" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments_en-US">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1230" xlink:to="label1230" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments" xlink:label="element1231" />
        <label xlink:type="resource" xlink:label="label1231" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments_en-US">Table which displays the financial assets at fair value through other comprehensive income, in particular equity instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1231" xlink:to="label1231" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtinstrumentsatfairvaluethroughothercomprehensiveincome" xlink:label="element1232" />
        <label xlink:type="resource" xlink:label="label1232" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Debtinstrumentsatfairvaluethroughothercomprehensiveincome_en-US">Debt Instruments At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1232" xlink:to="label1232" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Debtinstrumentsatfairvaluethroughothercomprehensiveincome" xlink:label="element1233" />
        <label xlink:type="resource" xlink:label="label1233" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Debtinstrumentsatfairvaluethroughothercomprehensiveincome_en-US">The amount of debt instruments at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income].</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1233" xlink:to="label1233" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Equityinstrumentsatfairvaluethroughothercomprehensiveincome" xlink:label="element1234" />
        <label xlink:type="resource" xlink:label="label1234" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Equityinstrumentsatfairvaluethroughothercomprehensiveincome_en-US">Equity instruments At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1234" xlink:to="label1234" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Equityinstrumentsatfairvaluethroughothercomprehensiveincome" xlink:label="element1235" />
        <label xlink:type="resource" xlink:label="label1235" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Equityinstrumentsatfairvaluethroughothercomprehensiveincome_en-US">The amount of equity instruments at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income].</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1235" xlink:to="label1235" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems" xlink:label="element1236" />
        <label xlink:type="resource" xlink:label="label1236" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems_en-US">Available for sale financial assets debt securities [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1236" xlink:to="label1236" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems" xlink:label="element1237" />
        <label xlink:type="resource" xlink:label="label1237" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems_en-US">Available for sale financial assets debt securities by rating [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1237" xlink:to="label1237" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems" xlink:label="element1238" />
        <label xlink:type="resource" xlink:label="label1238" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems_en-US">Available for sale financial assets equity instruments [Line Items]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1238" xlink:to="label1238" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoffinancialassetsatamortisedcost" xlink:label="element1239" />
        <label xlink:type="resource" xlink:label="label1239" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableoffinancialassetsatamortisedcost_en-US">Table of Financial Assets At Amortised Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1239" xlink:to="label1239" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoffinancialassetsatamortisedcost" xlink:label="element1240" />
        <label xlink:type="resource" xlink:label="label1240" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableoffinancialassetsatamortisedcost_en-US">Table which displays the financial assets at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1240" xlink:to="label1240" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoffinancialassetsatamortisedcostabstract" xlink:label="element1241" />
        <label xlink:type="resource" xlink:label="label1241" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureoffinancialassetsatamortisedcostabstract_en-US">Financial Assets At Amortised Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1241" xlink:to="label1241" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureoffinancialassetsatamortisedcost" xlink:label="element1242" />
        <label xlink:type="resource" xlink:label="label1242" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureoffinancialassetsatamortisedcost_en-US">Disclosure Of Financial Assets at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1242" xlink:to="label1242" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureoffinancialassetsatamortisedcostLineItems" xlink:label="element1243" />
        <label xlink:type="resource" xlink:label="label1243" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureoffinancialassetsatamortisedcostLineItems_en-US">Disclosure Of Financial Assets At Amortised Cost Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1243" xlink:to="label1243" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalfinancialassetsatamortisedcost" xlink:label="element1244" />
        <label xlink:type="resource" xlink:label="label1244" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalfinancialassetsatamortisedcost_en-US">Total Financial Assets At Amortised Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1244" xlink:to="label1244" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalfinancialassetsatamortisedcost" xlink:label="element1245" />
        <label xlink:type="resource" xlink:label="label1245" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalfinancialassetsatamortisedcost_en-US">The amount of Total Financial Assets At Amortised Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1245" xlink:to="label1245" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureoffinancialassetsatamortisedcosttableTable" xlink:label="element1246" />
        <label xlink:type="resource" xlink:label="label1246" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureoffinancialassetsatamortisedcosttableTable_en-US">Disclosure Of Financial Assets At Amortised Cost [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1246" xlink:to="label1246" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis" xlink:label="element1247" />
        <label xlink:type="resource" xlink:label="label1247" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis_en-US">Disclosure Of Financial Assets At Amortised Cost [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1247" xlink:to="label1247" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureoffinancialassetsatamortisedcostDomain" xlink:label="element1248" />
        <label xlink:type="resource" xlink:label="label1248" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureoffinancialassetsatamortisedcostDomain_en-US">Disclosure Of Financial Assets At Amortised Cost [Domain]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1248" xlink:to="label1248" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments" xlink:label="element1249" />
        <label xlink:type="resource" xlink:label="label1249" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments_en-US">Tangible assets Breakdown by type of asset, Cost value, amortisations and impairments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1249" xlink:to="label1249" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments" xlink:label="element1250" />
        <label xlink:type="resource" xlink:label="label1250" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments_en-US">Table which displays the tangible assets, breakdown by type of asstes and changes in the year</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1250" xlink:to="label1250" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory" xlink:label="element1251" />
        <label xlink:type="resource" xlink:label="label1251" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory_en-US">Accumulated Other Comprehensive Income Classified By Concepts Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1251" xlink:to="label1251" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory" xlink:label="element1252" />
        <label xlink:type="resource" xlink:label="label1252" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory_en-US">Table which displays the accumulated other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1252" xlink:to="label1252" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome" xlink:label="element1253" />
        <label xlink:type="resource" xlink:label="label1253" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome_en-US">Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1253" xlink:to="label1253" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome" xlink:label="element1254" />
        <label xlink:type="resource" xlink:label="label1254" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome_en-US">The amount of hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1254" xlink:to="label1254" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_At1" xlink:label="element1255" />
        <label xlink:type="resource" xlink:label="label1255" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_At1_en-US">AT 1</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1255" xlink:to="label1255" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_At1" xlink:label="element1256" />
        <label xlink:type="resource" xlink:label="label1256" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_At1_en-US">The percentage of additional Tier 1 capital ratio. Additional Tier 1 or AT1 consists of capital instruments that are continuous, in that there is no fixed maturity including: Preferred shares, High contingent convertible securities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1256" xlink:to="label1256" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentfinancialassetsatamortisedcost" xlink:label="element1257" />
        <label xlink:type="resource" xlink:label="label1257" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairmentfinancialassetsatamortisedcost_en-US">Financial Assets At Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1257" xlink:to="label1257" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentfinancialassetsatamortisedcost" xlink:label="element1258" />
        <label xlink:type="resource" xlink:label="label1258" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Impairmentfinancialassetsatamortisedcost_en-US">The total amount of impairment losses on loans and advances. The amount of financial assets at fair value throught other comprehensive income, corresponding to financial assets at amortized cost. Included in impairment or reversal of impairment on financial assets notmeasured at fair value throught profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1258" xlink:to="label1258" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentfinancialassetsatamortisedcost" xlink:label="element1259" />
        <label xlink:type="resource" xlink:label="label1259" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Impairmentfinancialassetsatamortisedcost_en-US">The total amount of impairment losses on loans and advances. The amount of financial assets at fair value throught other comprehensive income, corresponding to financial assets at amortized cost. Included in impairment or reversal of impairment on financial assets notmeasured at fair value throught profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1259" xlink:to="label1259" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Nontradingfinancialassetsmandatoryatfairvaluethroughprofitorlossabstract" xlink:label="element1260" />
        <label xlink:type="resource" xlink:label="label1260" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Nontradingfinancialassetsmandatoryatfairvaluethroughprofitorlossabstract_en-US">Non trading financial assets mandatory at fair value through profit or loss Abstract</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1260" xlink:to="label1260" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory" xlink:label="element1261" />
        <label xlink:type="resource" xlink:label="label1261" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory_en-US">Disclosure of Non trading financial assets mandatory at fair value through profit or loss Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1261" xlink:to="label1261" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory" xlink:label="element1262" />
        <label xlink:type="resource" xlink:label="label1262" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory_en-US">Text Block which displays the disclosure of non trading financial assets mandatory at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1262" xlink:to="label1262" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss" xlink:label="element1263" />
        <label xlink:type="resource" xlink:label="label1263" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss_en-US">Table of Non trading financial assets mandatory at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1263" xlink:to="label1263" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss" xlink:label="element1264" />
        <label xlink:type="resource" xlink:label="label1264" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss_en-US">Table which displays the non trading financial assets mandatory at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1264" xlink:to="label1264" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationandotherbenefitsreceivedLineItems" xlink:label="element1265" />
        <label xlink:type="resource" xlink:label="label1265" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationandotherbenefitsreceivedLineItems_en-US">Remuneration And Other Benefits Received Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1265" xlink:to="label1265" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fixedremuneration" xlink:label="element1266" />
        <label xlink:type="resource" xlink:label="label1266" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Fixedremuneration_en-US">Fixed remuneration</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1266" xlink:to="label1266" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fixedremuneration" xlink:label="element1267" />
        <label xlink:type="resource" xlink:label="label1267" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Fixedremuneration_en-US">The amount of the fixed part of the remuneration received by the different type of qualified personalities of the company</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1267" xlink:to="label1267" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Variableremuneration" xlink:label="element1268" />
        <label xlink:type="resource" xlink:label="label1268" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Variableremuneration_en-US">Variable remuneration</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1268" xlink:to="label1268" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Variableremuneration" xlink:label="element1269" />
        <label xlink:type="resource" xlink:label="label1269" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Variableremuneration_en-US">The amount of the variable part of the remuneration received by the different type of qualified personalities of the company</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1269" xlink:to="label1269" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationandotherbenefitsreceivedTable" xlink:label="element1270" />
        <label xlink:type="resource" xlink:label="label1270" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationandotherbenefitsreceivedTable_en-US">Remuneration And Other Benefits Received [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1270" xlink:to="label1270" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationandotherbenefitsreceivedAxis" xlink:label="element1271" />
        <label xlink:type="resource" xlink:label="label1271" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationandotherbenefitsreceivedAxis_en-US">Remuneration And Other Benefits Received [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1271" xlink:to="label1271" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RemunerationandotherbenefitsreceivedDomain" xlink:label="element1272" />
        <label xlink:type="resource" xlink:label="label1272" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RemunerationandotherbenefitsreceivedDomain_en-US">Remuneration And Other Benefits Received Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1272" xlink:to="label1272" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofcomiteeconceptAxis" xlink:label="element1273" />
        <label xlink:type="resource" xlink:label="label1273" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofcomiteeconceptAxis_en-US">Type of comitee concept [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1273" xlink:to="label1273" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofcomiteeconceptDomain" xlink:label="element1274" />
        <label xlink:type="resource" xlink:label="label1274" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofcomiteeconceptDomain_en-US">Type of comitee concept Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1274" xlink:to="label1274" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ExecutivedirectorsMember" xlink:label="element1275" />
        <label xlink:type="resource" xlink:label="label1275" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ExecutivedirectorsMember_en-US">Executive directors [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1275" xlink:to="label1275" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_MembersoftheseniormanagementMember" xlink:label="element1276" />
        <label xlink:type="resource" xlink:label="label1276" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_MembersoftheseniormanagementMember_en-US">Members of the senior management [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1276" xlink:to="label1276" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_PensioncommitmentsLineItems" xlink:label="element1277" />
        <label xlink:type="resource" xlink:label="label1277" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_PensioncommitmentsLineItems_en-US">Pension Commitments Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1277" xlink:to="label1277" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fundsaccumulated" xlink:label="element1278" />
        <label xlink:type="resource" xlink:label="label1278" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Fundsaccumulated_en-US">Funds Accumulated</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1278" xlink:to="label1278" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fundsaccumulated" xlink:label="element1279" />
        <label xlink:type="resource" xlink:label="label1279" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Fundsaccumulated_en-US">The amount acumulated referring to pension commitments with the different type of qualified personalities of the company</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1279" xlink:to="label1279" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_PensioncommitmentstableTable" xlink:label="element1280" />
        <label xlink:type="resource" xlink:label="label1280" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_PensioncommitmentstableTable_en-US">Pension Commitments [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1280" xlink:to="label1280" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_PensioncommitmentsaxisAxis" xlink:label="element1281" />
        <label xlink:type="resource" xlink:label="label1281" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_PensioncommitmentsaxisAxis_en-US">Pension Commitments [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1281" xlink:to="label1281" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_PensioncommitmentsDomain" xlink:label="element1282" />
        <label xlink:type="resource" xlink:label="label1282" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_PensioncommitmentsDomain_en-US">Pension Commitments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1282" xlink:to="label1282" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditexposureclassesofstageAxis" xlink:label="element1283" />
        <label xlink:type="resource" xlink:label="label1283" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditexposureclassesofstageAxis_en-US">Credit Exposure Classes of Stage [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1283" xlink:to="label1283" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditexposureclassesofstageDomain" xlink:label="element1284" />
        <label xlink:type="resource" xlink:label="label1284" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditexposureclassesofstageDomain_en-US">Credit Exposure Classes of Stage Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1284" xlink:to="label1284" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Stage1Member" xlink:label="element1285" />
        <label xlink:type="resource" xlink:label="label1285" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Stage1Member_en-US">Stage 1 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1285" xlink:to="label1285" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Stage2Member" xlink:label="element1286" />
        <label xlink:type="resource" xlink:label="label1286" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Stage2Member_en-US">Stage 2 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1286" xlink:to="label1286" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Stage3Member" xlink:label="element1287" />
        <label xlink:type="resource" xlink:label="label1287" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Stage3Member_en-US">Stage 3 [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1287" xlink:to="label1287" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Nontradingfinancialassetsmandatorilyatfairvaluethroughprofitorloss" xlink:label="element1288" />
        <label xlink:type="resource" xlink:label="label1288" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Nontradingfinancialassetsmandatorilyatfairvaluethroughprofitorloss_en-US">Non trading financial assets mandatorily at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1288" xlink:to="label1288" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Nontradingfinancialassetsmandatorilyatfairvaluethroughprofitorloss" xlink:label="element1289" />
        <label xlink:type="resource" xlink:label="label1289" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Nontradingfinancialassetsmandatorilyatfairvaluethroughprofitorloss_en-US">Adjustments for increase (decrease) in the value of financial assets at fair value through profit or loss.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1289" xlink:to="label1289" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ForeclosuresandrecoveriesmemberMember" xlink:label="element1290" />
        <label xlink:type="resource" xlink:label="label1290" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ForeclosuresandrecoveriesmemberMember_en-US">Foreclosures And Recoveries [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1290" xlink:to="label1290" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherassetsfrompropertyplantandequipmentoperatingleasesmemberMember" xlink:label="element1291" />
        <label xlink:type="resource" xlink:label="label1291" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherassetsfrompropertyplantandequipmentoperatingleasesmemberMember_en-US">Other Assets From Property Plant And Equipment Operating Leases [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1291" xlink:to="label1291" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AccruedamortizationmemberMember" xlink:label="element1292" />
        <label xlink:type="resource" xlink:label="label1292" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AccruedamortizationmemberMember_en-US">Accrued Amortization [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1292" xlink:to="label1292" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ImpairmentlossesMember" xlink:label="element1293" />
        <label xlink:type="resource" xlink:label="label1293" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ImpairmentlossesMember_en-US">Impairment Losses [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1293" xlink:to="label1293" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_JaimefelixcaruanalacorteMember" xlink:label="element1294" />
        <label xlink:type="resource" xlink:label="label1294" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_JaimefelixcaruanalacorteMember_en-US">Jaime Felix Caruana Lacorte [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1294" xlink:to="label1294" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AnaperaltamorenoMember" xlink:label="element1295" />
        <label xlink:type="resource" xlink:label="label1295" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AnaperaltamorenoMember_en-US">Ana Peralta Moreno [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1295" xlink:to="label1295" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_JanverplanckeMember" xlink:label="element1296" />
        <label xlink:type="resource" xlink:label="label1296" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_JanverplanckeMember_en-US">Jan Verplancke [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1296" xlink:to="label1296" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements" xlink:label="element1297" />
        <label xlink:type="resource" xlink:label="label1297" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements_en-US">Gains or losses on financial assets and liabilities and exchange differences. Breakdown by Heading of the Balance Sheet.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1297" xlink:to="label1297" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements" xlink:label="element1298" />
        <label xlink:type="resource" xlink:label="label1298" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements_en-US">Table which displays the gains or losses on financial assets and liabilities and exchange differences, breakdown by heading of the balance sheet.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1298" xlink:to="label1298" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureremunerationformembersoftheseniormanagementexplanatory" xlink:label="element1299" />
        <label xlink:type="resource" xlink:label="label1299" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureremunerationformembersoftheseniormanagementexplanatory_en-US">Disclosure Of Remuneration For Members of the Senior Management Explanatory</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1299" xlink:to="label1299" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureremunerationformembersoftheseniormanagementexplanatory" xlink:label="element1300" />
        <label xlink:type="resource" xlink:label="label1300" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Disclosureremunerationformembersoftheseniormanagementexplanatory_en-US">Table which displays the remuneration for members of the senior management</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1300" xlink:to="label1300" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsheldfortrading" xlink:label="element1301" />
        <label xlink:type="resource" xlink:label="label1301" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Depositsheldfortrading_en-US">Deposits held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1301" xlink:to="label1301" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Depositsheldfortrading" xlink:label="element1302" />
        <label xlink:type="resource" xlink:label="label1302" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Depositsheldfortrading_en-US">The amount of deposits classified as held for trading</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1302" xlink:to="label1302" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CustomersMember" xlink:label="element1303" />
        <label xlink:type="resource" xlink:label="label1303" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CustomersMember_en-US">Customers [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1303" xlink:to="label1303" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialsocietiesMember" xlink:label="element1304" />
        <label xlink:type="resource" xlink:label="label1304" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialsocietiesMember_en-US">Financial societies [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1304" xlink:to="label1304" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NonfinancialsocietiesMember" xlink:label="element1305" />
        <label xlink:type="resource" xlink:label="label1305" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NonfinancialsocietiesMember_en-US">Non financial societies [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1305" xlink:to="label1305" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_RestofclientsMember" xlink:label="element1306" />
        <label xlink:type="resource" xlink:label="label1306" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RestofclientsMember_en-US">Rest of clients [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1306" xlink:to="label1306" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BusinesssaleassetsMember" xlink:label="element1307" />
        <label xlink:type="resource" xlink:label="label1307" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BusinesssaleassetsMember_en-US">Business Sale - Assets [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1307" xlink:to="label1307" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainslossesonnontradingfinancialassetsatfairvaluethroughprofitorloss" xlink:label="element1308" />
        <label xlink:type="resource" xlink:label="label1308" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainslossesonnontradingfinancialassetsatfairvaluethroughprofitorloss_en-US">Gains losses on non trading financial assets at fair value through profit or loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1308" xlink:to="label1308" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesatfairvaluethroughothercomprehensiveincome" xlink:label="element1309" />
        <label xlink:type="resource" xlink:label="label1309" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancesatfairvaluethroughothercomprehensiveincome_en-US">Loans and advances at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1309" xlink:to="label1309" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesatfairvaluethroughothercomprehensiveincome" xlink:label="element1310" />
        <label xlink:type="resource" xlink:label="label1310" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancesatfairvaluethroughothercomprehensiveincome_en-US">The amount of loans and advances clasified as financial assets at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1310" xlink:to="label1310" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsmeasuredatamortizedcostimpairmentorreversalofimpairment" xlink:label="element1311" />
        <label xlink:type="resource" xlink:label="label1311" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialassetsmeasuredatamortizedcostimpairmentorreversalofimpairment_en-US">Financial assets measured at amortized cost, impairment or reversal of impairment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1311" xlink:to="label1311" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsmeasuredatamortizedcostimpairmentorreversalofimpairment" xlink:label="element1312" />
        <label xlink:type="resource" xlink:label="label1312" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Financialassetsmeasuredatamortizedcostimpairmentorreversalofimpairment_en-US">The total amount of impairment losses, at amortized cost, on assets measured at cost.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1312" xlink:to="label1312" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Atributabletoownersoftheparent" xlink:label="element1313" />
        <label xlink:type="resource" xlink:label="label1313" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Atributabletoownersoftheparent_en-US">Attributable to owners of the parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1313" xlink:to="label1313" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Atributabletoownersoftheparent" xlink:label="element1314" />
        <label xlink:type="resource" xlink:label="label1314" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Atributabletoownersoftheparent_en-US">The amount of the profit attributable to owners of the parent</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1314" xlink:to="label1314" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Resultofthetransaction" xlink:label="element1315" />
        <label xlink:type="resource" xlink:label="label1315" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Resultofthetransaction_en-US">Result of the transaction</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1315" xlink:to="label1315" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Resultofthetransaction" xlink:label="element1316" />
        <label xlink:type="resource" xlink:label="label1316" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Resultofthetransaction_en-US">Information related to the results of the transaction in the changes in group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1316" xlink:to="label1316" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tier1eligiblecapitalresourcescapitalbase" xlink:label="element1317" />
        <label xlink:type="resource" xlink:label="label1317" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Tier1eligiblecapitalresourcescapitalbase_en-US">Tier 1 eligible capital resources capital base</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1317" xlink:to="label1317" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tier1eligiblecapitalresourcescapitalbase" xlink:label="element1318" />
        <label xlink:type="resource" xlink:label="label1318" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_Tier1eligiblecapitalresourcescapitalbase_en-US">Tier 1 eligible capital resources capital base</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1318" xlink:to="label1318" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tier1eligiblecapitalresourcescapitalbase" xlink:label="element1319" />
        <label xlink:type="resource" xlink:label="label1319" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Tier1eligiblecapitalresourcescapitalbase_en-US">Includes: Common stock, parent company reserves, reserves in consolidated companies, non-controlling interests, deduction and others and attributed net income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1319" xlink:to="label1319" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditexposuremaximumexposureassetsDomain" xlink:label="element1320" />
        <label xlink:type="resource" xlink:label="label1320" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditexposuremaximumexposureassetsDomain_en-US">Credit Exposure Maximum Exposure Assets [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1320" xlink:to="label1320" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtsecuritiesfinancialassetsheldfortradingMember" xlink:label="element1321" />
        <label xlink:type="resource" xlink:label="label1321" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DebtsecuritiesfinancialassetsheldfortradingMember_en-US">Debt securities Financial Assets Held for trading [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1321" xlink:to="label1321" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_EquityinstrumentsfinancialassetsheldfortradingMember" xlink:label="element1322" />
        <label xlink:type="resource" xlink:label="label1322" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_EquityinstrumentsfinancialassetsheldfortradingMember_en-US">Equity Instruments Financial Assets Held for trading [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1322" xlink:to="label1322" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancestocustomersfinancialassetsheldfortradingMember" xlink:label="element1323" />
        <label xlink:type="resource" xlink:label="label1323" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancestocustomersfinancialassetsheldfortradingMember_en-US">Loans and Advances to Customers Financial Assets Held for trading [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1323" xlink:to="label1323" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember" xlink:label="element1324" />
        <label xlink:type="resource" xlink:label="label1324" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_en-US">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1324" xlink:to="label1324" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember" xlink:label="element1325" />
        <label xlink:type="resource" xlink:label="label1325" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_en-US">Loans and Advances Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1325" xlink:to="label1325" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtsecuritiesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember" xlink:label="element1326" />
        <label xlink:type="resource" xlink:label="label1326" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DebtsecuritiesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_en-US">Debt Securities Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1326" xlink:to="label1326" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_EquityinstrumentsnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember" xlink:label="element1327" />
        <label xlink:type="resource" xlink:label="label1327" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_EquityinstrumentsnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember_en-US">Equity Instruments Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1327" xlink:to="label1327" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsdesignatedatfairvaluethroughtprofitorlossMember" xlink:label="element1328" />
        <label xlink:type="resource" xlink:label="label1328" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsdesignatedatfairvaluethroughtprofitorlossMember_en-US">Financial assets designated at fair value throught profit or loss [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1328" xlink:to="label1328" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember" xlink:label="element1329" />
        <label xlink:type="resource" xlink:label="label1329" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember_en-US">Financial Assets At Fair Value Through Other Comprehensive Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1329" xlink:to="label1329" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember" xlink:label="element1330" />
        <label xlink:type="resource" xlink:label="label1330" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember_en-US">Loans and advances to central banks Financial Assets At Amortised Cost [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1330" xlink:to="label1330" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember" xlink:label="element1331" />
        <label xlink:type="resource" xlink:label="label1331" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember_en-US">Loans and advances to credit institutions Financial Assets At Amortised Cost [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1331" xlink:to="label1331" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancestocustomersfinancialassetsatamortisedcostMember" xlink:label="element1332" />
        <label xlink:type="resource" xlink:label="label1332" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancestocustomersfinancialassetsatamortisedcostMember_en-US">Loans and advances to customers Financial Assets At Amortised Cost [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1332" xlink:to="label1332" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtsecuritiesfinancialassetsatamortisedcostMember" xlink:label="element1333" />
        <label xlink:type="resource" xlink:label="label1333" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DebtsecuritiesfinancialassetsatamortisedcostMember_en-US">Debt securities Financial Assets At Amortised Cost [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1333" xlink:to="label1333" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalloancommitmentsandfinancialguaranteesMember" xlink:label="element1334" />
        <label xlink:type="resource" xlink:label="label1334" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalloancommitmentsandfinancialguaranteesMember_en-US">Total Loan Commitments and Financial Guarantees [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1334" xlink:to="label1334" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalmaximuncreditexposureMember" xlink:label="element1335" />
        <label xlink:type="resource" xlink:label="label1335" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalmaximuncreditexposureMember_en-US">Total Maximun Credit Exposure [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1335" xlink:to="label1335" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems" xlink:label="element1336" />
        <label xlink:type="resource" xlink:label="label1336" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems_en-US">Disclosure of Loans and Advances Net Of Impairment Losses Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1336" xlink:to="label1336" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesnetofimpairmentlosses" xlink:label="element1337" />
        <label xlink:type="resource" xlink:label="label1337" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancesnetofimpairmentlosses_en-US">Loans and Advances Net Of Impairment Losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1337" xlink:to="label1337" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesnetofimpairmentlosses" xlink:label="element1338" />
        <label xlink:type="resource" xlink:label="label1338" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancesnetofimpairmentlosses_en-US">The amount of loans and advances the entity has made, net of imparment losses and classified in different headings of the assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1338" xlink:to="label1338" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureofloansandadvancesnetofimpairmentlossestableTable" xlink:label="element1339" />
        <label xlink:type="resource" xlink:label="label1339" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureofloansandadvancesnetofimpairmentlossestableTable_en-US">Disclosure of Loans and Advances Net Of Impairment Losses [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1339" xlink:to="label1339" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesnetofimpairmentlossesaxisAxis" xlink:label="element1340" />
        <label xlink:type="resource" xlink:label="label1340" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis_en-US">Loans and Advances Net Of Impairment Losses [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1340" xlink:to="label1340" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesnetofimpairmentlossesDomain" xlink:label="element1341" />
        <label xlink:type="resource" xlink:label="label1341" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancesnetofimpairmentlossesDomain_en-US">Loans and Advances Net Of Impairment Losses [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1341" xlink:to="label1341" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OndemandandshortnoticeMember" xlink:label="element1342" />
        <label xlink:type="resource" xlink:label="label1342" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OndemandandshortnoticeMember_en-US">On demand and short notice [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1342" xlink:to="label1342" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ReverserepurchaseagreementsMember" xlink:label="element1343" />
        <label xlink:type="resource" xlink:label="label1343" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ReverserepurchaseagreementsMember_en-US">Reverse Repurchase Agreements [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1343" xlink:to="label1343" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalmemberMember" xlink:label="element1344" />
        <label xlink:type="resource" xlink:label="label1344" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalmemberMember_en-US">Total Member [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1344" xlink:to="label1344" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfwhichmortgageloansmemberMember" xlink:label="element1345" />
        <label xlink:type="resource" xlink:label="label1345" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OfwhichmortgageloansmemberMember_en-US">Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1345" xlink:to="label1345" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfwhichothercollateralizedloansmemberMember" xlink:label="element1346" />
        <label xlink:type="resource" xlink:label="label1346" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OfwhichothercollateralizedloansmemberMember_en-US">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1346" xlink:to="label1346" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfwhichcreditforconsumpltionmemberMember" xlink:label="element1347" />
        <label xlink:type="resource" xlink:label="label1347" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OfwhichcreditforconsumpltionmemberMember_en-US">Loans and Advances Net Of Impairment Losses Of Which: Credit For Consumpltion [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1347" xlink:to="label1347" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfwhichlendingforhousepurchasememberMember" xlink:label="element1348" />
        <label xlink:type="resource" xlink:label="label1348" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OfwhichlendingforhousepurchasememberMember_en-US">Loans and Advances Net Of Impairment Losses Of Which: Lending For House Purchase [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1348" xlink:to="label1348" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfwhichprojectfinanceloansmemberMember" xlink:label="element1349" />
        <label xlink:type="resource" xlink:label="label1349" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OfwhichprojectfinanceloansmemberMember_en-US">Loans and Advances Net Of Impairment Losses Of Which: Project Finance Loans [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1349" xlink:to="label1349" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesnetofimpairmentlossesbytypeofinstrumentaxisAxis" xlink:label="element1350" />
        <label xlink:type="resource" xlink:label="label1350" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancesnetofimpairmentlossesbytypeofinstrumentaxisAxis_en-US">Loans and Advances Net Of Impairment Losses by Type of Instrument [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1350" xlink:to="label1350" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesnetofimpairmentlossesbytypeofinstrumentDomain" xlink:label="element1351" />
        <label xlink:type="resource" xlink:label="label1351" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancesnetofimpairmentlossesbytypeofinstrumentDomain_en-US">Loans and Advances Net Of Impairment Losses by Type of Instrument [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1351" xlink:to="label1351" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ByproductMember" xlink:label="element1352" />
        <label xlink:type="resource" xlink:label="label1352" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ByproductMember_en-US">By Product [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1352" xlink:to="label1352" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BysecuredloansMember" xlink:label="element1353" />
        <label xlink:type="resource" xlink:label="label1353" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BysecuredloansMember_en-US">By Secured Loans [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1353" xlink:to="label1353" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BypurposeoftheloanMember" xlink:label="element1354" />
        <label xlink:type="resource" xlink:label="label1354" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BypurposeoftheloanMember_en-US">By Purpose of the Loan [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1354" xlink:to="label1354" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BysubordinationMember" xlink:label="element1355" />
        <label xlink:type="resource" xlink:label="label1355" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BysubordinationMember_en-US">By Subordination [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1355" xlink:to="label1355" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesnetofimpairmentlossesbycounterpartyaxisAxis" xlink:label="element1356" />
        <label xlink:type="resource" xlink:label="label1356" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancesnetofimpairmentlossesbycounterpartyaxisAxis_en-US">Loans and Advances Net Of Impairment Losses by Counterparty [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1356" xlink:to="label1356" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesnetofimpairmentlossesbycounterpartyDomain" xlink:label="element1357" />
        <label xlink:type="resource" xlink:label="label1357" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancesnetofimpairmentlossesbycounterpartyDomain_en-US">Loans and Advances Net Of Impairment Losses by Counterparty [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1357" xlink:to="label1357" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Valuationgainsandlosses" xlink:label="element1358" />
        <label xlink:type="resource" xlink:label="label1358" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Valuationgainsandlosses_en-US">Valuation gains and losses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1358" xlink:to="label1358" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Valuationgainsandlosses" xlink:label="element1359" />
        <label xlink:type="resource" xlink:label="label1359" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Valuationgainsandlosses_en-US">The Valuation gains and losses of other comprehensive income associated to debt securities available for sale held by the Entity.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1359" xlink:to="label1359" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Amountstransferredtoincome" xlink:label="element1360" />
        <label xlink:type="resource" xlink:label="label1360" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Amountstransferredtoincome_en-US">Amounts transferred to income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1360" xlink:to="label1360" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Amountstransferredtoincome" xlink:label="element1361" />
        <label xlink:type="resource" xlink:label="label1361" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Amountstransferredtoincome_en-US">The amount transferred to income associated to debt securities available for sale held by the Entity that has been transferred to profit and loss during the exercise.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1361" xlink:to="label1361" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclassificationsfinancialassetsatfairvalue" xlink:label="element1362" />
        <label xlink:type="resource" xlink:label="label1362" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherreclassificationsfinancialassetsatfairvalue_en-US">Amounts transferred to reserves</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1362" xlink:to="label1362" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherreclassificationsfinancialassetsatfairvalue" xlink:label="element1363" />
        <label xlink:type="resource" xlink:label="label1363" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Otherreclassificationsfinancialassetsatfairvalue_en-US">The amount of Other reclassifications financial assets at fair value associated to debt securities available for sale held by the Entity that has been reclassified due to ther reasong during the exercise.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1363" xlink:to="label1363" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Incometaxfinancialassetsatfairvalue" xlink:label="element1364" />
        <label xlink:type="resource" xlink:label="label1364" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Incometaxfinancialassetsatfairvalue_en-US">Income tax financial assets at fair value</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1364" xlink:to="label1364" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AssetsMember" xlink:label="element1365" />
        <label xlink:type="resource" xlink:label="label1365" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AssetsMember_en-US">Assets Member [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1365" xlink:to="label1365" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_MemorandumaccountsMember" xlink:label="element1366" />
        <label xlink:type="resource" xlink:label="label1366" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_MemorandumaccountsMember_en-US">Memorandum Accounts [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1366" xlink:to="label1366" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IntangibleassetsotherthangoodwillLineItems" xlink:label="element1367" />
        <label xlink:type="resource" xlink:label="label1367" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IntangibleassetsotherthangoodwillLineItems_en-US">Intangible Assets Other Than Goodwill Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1367" xlink:to="label1367" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IntangibleassetsotherthangoodwilltableTable" xlink:label="element1368" />
        <label xlink:type="resource" xlink:label="label1368" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IntangibleassetsotherthangoodwilltableTable_en-US">Intangible Assets Other Than Goodwill [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1368" xlink:to="label1368" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ComputersoftwareacquisitonexpensesMember" xlink:label="element1369" />
        <label xlink:type="resource" xlink:label="label1369" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ComputersoftwareacquisitonexpensesMember_en-US">Computer Software Acquisiton Expenses [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1369" xlink:to="label1369" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IntangibleassetswithdefiniteusefullifeMember" xlink:label="element1370" />
        <label xlink:type="resource" xlink:label="label1370" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IntangibleassetswithdefiniteusefullifeMember_en-US">Intangible Assets With definite Useful Life [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1370" xlink:to="label1370" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofremunerationaxisAxis" xlink:label="element1371" />
        <label xlink:type="resource" xlink:label="label1371" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofremunerationaxisAxis_en-US">Type Of Remuneration [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1371" xlink:to="label1371" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofremunerationDomain" xlink:label="element1372" />
        <label xlink:type="resource" xlink:label="label1372" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofremunerationDomain_en-US">Type Of Remuneration [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1372" xlink:to="label1372" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IncashMember" xlink:label="element1373" />
        <label xlink:type="resource" xlink:label="label1373" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IncashMember_en-US">In Cash [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1373" xlink:to="label1373" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_InsharesMember" xlink:label="element1374" />
        <label xlink:type="resource" xlink:label="label1374" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_InsharesMember_en-US">In Shares [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1374" xlink:to="label1374" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Vaqriableremunerationinshares" xlink:label="element1375" />
        <label xlink:type="resource" xlink:label="label1375" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Vaqriableremunerationinshares_en-US">Variable Remuneration In Shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1375" xlink:to="label1375" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Vaqriableremunerationinshares" xlink:label="element1376" />
        <label xlink:type="resource" xlink:label="label1376" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Vaqriableremunerationinshares_en-US">The amount of shares corresponding to the variable part of the remuneration received by the different type of qualified personalities of the company</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1376" xlink:to="label1376" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesfinancialassetsatfairvaluethroughothercomprehensiveincome" xlink:label="element1377" />
        <label xlink:type="resource" xlink:label="label1377" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansandadvancesfinancialassetsatfairvaluethroughothercomprehensiveincome_en-US">Loans and advances Financial Assets At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1377" xlink:to="label1377" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansandadvancesfinancialassetsatfairvaluethroughothercomprehensiveincome" xlink:label="element1378" />
        <label xlink:type="resource" xlink:label="label1378" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Loansandadvancesfinancialassetsatfairvaluethroughothercomprehensiveincome_en-US">The amount of Loans and advances Financial Assets At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1378" xlink:to="label1378" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Numberofconsolidatedentities" xlink:label="element1379" />
        <label xlink:type="resource" xlink:label="label1379" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Numberofconsolidatedentities_en-US">Number of Consolidated Entities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1379" xlink:to="label1379" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Numberofconsolidatedentities" xlink:label="element1380" />
        <label xlink:type="resource" xlink:label="label1380" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Numberofconsolidatedentities_en-US">The number of Consolidated Entities belonging to the Group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1380" xlink:to="label1380" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Numberofentitiesaccountedforusingtheequitymethod" xlink:label="element1381" />
        <label xlink:type="resource" xlink:label="label1381" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Numberofentitiesaccountedforusingtheequitymethod_en-US">Number Of Entities Accounted For Using The Equity Method</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1381" xlink:to="label1381" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Numberofentitiesaccountedforusingtheequitymethod" xlink:label="element1382" />
        <label xlink:type="resource" xlink:label="label1382" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Numberofentitiesaccountedforusingtheequitymethod_en-US">The number of Entities accounted for using the equity method</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1382" xlink:to="label1382" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageofequitysale" xlink:label="element1383" />
        <label xlink:type="resource" xlink:label="label1383" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Percentageofequitysale_en-US">Percentage of equity sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1383" xlink:to="label1383" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageofequitysale" xlink:label="element1384" />
        <label xlink:type="resource" xlink:label="label1384" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Percentageofequitysale_en-US">The percentage of the equity sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1384" xlink:to="label1384" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalpercentageofequitysale" xlink:label="element1385" />
        <label xlink:type="resource" xlink:label="label1385" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalpercentageofequitysale_en-US">Total percentage of equity sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1385" xlink:to="label1385" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalpercentageofequitysale" xlink:label="element1386" />
        <label xlink:type="resource" xlink:label="label1386" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalpercentageofequitysale_en-US">The total percentage of the equity sale</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1386" xlink:to="label1386" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainnetoftaxes" xlink:label="element1387" />
        <label xlink:type="resource" xlink:label="label1387" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gainnetoftaxes_en-US">Gain net of taxes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1387" xlink:to="label1387" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gainnetoftaxes" xlink:label="element1388" />
        <label xlink:type="resource" xlink:label="label1388" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Gainnetoftaxes_en-US">The amount of gain net of taxes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1388" xlink:to="label1388" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Maximumtotalconsideration" xlink:label="element1389" />
        <label xlink:type="resource" xlink:label="label1389" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Maximumtotalconsideration_en-US">Maximum total consideration</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1389" xlink:to="label1389" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Maximumtotalconsideration" xlink:label="element1390" />
        <label xlink:type="resource" xlink:label="label1390" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Maximumtotalconsideration_en-US">Information related to maximun total consideration</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1390" xlink:to="label1390" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageofpreviouslyacquiredstake" xlink:label="element1391" />
        <label xlink:type="resource" xlink:label="label1391" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Percentageofpreviouslyacquiredstake_en-US">Percentage of previously acquired stake</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1391" xlink:to="label1391" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageofpreviouslyacquiredstake" xlink:label="element1392" />
        <label xlink:type="resource" xlink:label="label1392" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Percentageofpreviouslyacquiredstake_en-US">The percentage of previously acquired stake related to changes in the Group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1392" xlink:to="label1392" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares" xlink:label="element1393" />
        <label xlink:type="resource" xlink:label="label1393" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares_en-US">Percentage Of Owners Who Have Opted To Receive Newly Issued BBVA Ordinary Shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1393" xlink:to="label1393" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares" xlink:label="element1394" />
        <label xlink:type="resource" xlink:label="label1394" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Percentageofownerswhohaveoptedtoreceivenewlyissuedbbvaordinaryshares_en-US">The percentage Of Owners Who Have Opted To Receive Newly Issued BBVA Ordinary Shares</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1394" xlink:to="label1394" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva" xlink:label="element1395" />
        <label xlink:type="resource" xlink:label="label1395" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva_en-US">Percentage Of Owners Who Have Opted To Sell The Rights Of Free Allocation Assigned To Them To BBVA</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1395" xlink:to="label1395" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva" xlink:label="element1396" />
        <label xlink:type="resource" xlink:label="label1396" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Percentageofownerswhohaveoptedtoselltherightsoffreeallocationassignedtothemtobbva_en-US">The Percentage Of Owners Who Have Opted To Sell The Rights Of Free Allocation Assigned To Them To BBVA</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1396" xlink:to="label1396" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Numberofrightsadquiredbybbva" xlink:label="element1397" />
        <label xlink:type="resource" xlink:label="label1397" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Numberofrightsadquiredbybbva_en-US">Number Of Rights Adquired By BBVA</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1397" xlink:to="label1397" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Numberofrightsadquiredbybbva" xlink:label="element1398" />
        <label xlink:type="resource" xlink:label="label1398" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Numberofrightsadquiredbybbva_en-US">Number of shares related to rights acquired by BBVA</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1398" xlink:to="label1398" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalamountofnumberofsharesadquired" xlink:label="element1399" />
        <label xlink:type="resource" xlink:label="label1399" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalamountofnumberofsharesadquired_en-US">Total Amount Of Number Of Shares Adquired</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1399" xlink:to="label1399" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalamountofnumberofsharesadquired" xlink:label="element1400" />
        <label xlink:type="resource" xlink:label="label1400" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalamountofnumberofsharesadquired_en-US">The number of total shares acquired</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1400" xlink:to="label1400" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Priceperright" xlink:label="element1401" />
        <label xlink:type="resource" xlink:label="label1401" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Priceperright_en-US">Price Per Right</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1401" xlink:to="label1401" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Priceperright" xlink:label="element1402" />
        <label xlink:type="resource" xlink:label="label1402" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Priceperright_en-US">The price per right related to Shareholder remuneration</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1402" xlink:to="label1402" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Capitalincreasetobechargetoreservesfortheinstrumentationofadividendoptionpershare" xlink:label="element1403" />
        <label xlink:type="resource" xlink:label="label1403" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Capitalincreasetobechargetoreservesfortheinstrumentationofadividendoptionpershare_en-US">Capital Increase To Be Charge To Reserves For The Instrumentation Of A Dividend Option</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1403" xlink:to="label1403" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Capitalincreasetobechargetoreservesfortheinstrumentationofadividendoptionpershare" xlink:label="element1404" />
        <label xlink:type="resource" xlink:label="label1404" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Capitalincreasetobechargetoreservesfortheinstrumentationofadividendoptionpershare_en-US">The amount of Capital Increase to be charge to reserves for the instrumentation of a dividend option</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1404" xlink:to="label1404" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalassetsoperatingsegment" xlink:label="element1405" />
        <label xlink:type="resource" xlink:label="label1405" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalassetsoperatingsegment_en-US">Group Total Assets Operating Segment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1405" xlink:to="label1405" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalassetsoperatingsegment" xlink:label="element1406" />
        <label xlink:type="resource" xlink:label="label1406" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Totalassetsoperatingsegment_en-US">Table which displays the Total Assets Operating Segment by BBVA Group</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1406" xlink:to="label1406" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Incomebyoperatingsegment" xlink:label="element1407" />
        <label xlink:type="resource" xlink:label="label1407" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Incomebyoperatingsegment_en-US">Income By Operating Segment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1407" xlink:to="label1407" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Incomebyoperatingsegment" xlink:label="element1408" />
        <label xlink:type="resource" xlink:label="label1408" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Incomebyoperatingsegment_en-US">Table which displays the Income By Operating Segment</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1408" xlink:to="label1408" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalassetsLineItems" xlink:label="element1409" />
        <label xlink:type="resource" xlink:label="label1409" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalassetsLineItems_en-US">Total Assets Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1409" xlink:to="label1409" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SegmentsdomainDomain" xlink:label="element1410" />
        <label xlink:type="resource" xlink:label="label1410" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SegmentsdomainDomain_en-US">Segments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1410" xlink:to="label1410" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CorporatecenterMember" xlink:label="element1411" />
        <label xlink:type="resource" xlink:label="label1411" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CorporatecenterMember_en-US">Corporate Center [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1411" xlink:to="label1411" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IncomebyoperatingsegmentLineItems" xlink:label="element1412" />
        <label xlink:type="resource" xlink:label="label1412" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IncomebyoperatingsegmentLineItems_en-US">Income By Operating Segment Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1412" xlink:to="label1412" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netinterestincome" xlink:label="element1413" />
        <label xlink:type="resource" xlink:label="label1413" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Netinterestincome_en-US">Net Interest Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1413" xlink:to="label1413" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netinterestincome" xlink:label="element1414" />
        <label xlink:type="resource" xlink:label="label1414" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Netinterestincome_en-US">The amount of net interest income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1414" xlink:to="label1414" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DiclosureofincomebyoperatingsegmentsTable" xlink:label="element1415" />
        <label xlink:type="resource" xlink:label="label1415" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DiclosureofincomebyoperatingsegmentsTable_en-US">Diclosure of income by operating segments [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1415" xlink:to="label1415" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IncomebyoperatingsegmentAxis" xlink:label="element1416" />
        <label xlink:type="resource" xlink:label="label1416" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IncomebyoperatingsegmentAxis_en-US">Income by operating segment [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1416" xlink:to="label1416" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IncomebyoperatingsegmentDomain" xlink:label="element1417" />
        <label xlink:type="resource" xlink:label="label1417" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IncomebyoperatingsegmentDomain_en-US">Income by operating segment [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1417" xlink:to="label1417" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ImpairedfinancialassetsatamortisedcostLineItems" xlink:label="element1418" />
        <label xlink:type="resource" xlink:label="label1418" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ImpairedfinancialassetsatamortisedcostLineItems_en-US">Impaired Financial Assets At Amortised Cost Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1418" xlink:to="label1418" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairedfinancialassetsatamortisedcost" xlink:label="element1419" />
        <label xlink:type="resource" xlink:label="label1419" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Impairedfinancialassetsatamortisedcost_en-US">Impaired Financial Assets At Amortised Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1419" xlink:to="label1419" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairedfinancialassetsatamortisedcost" xlink:label="element1420" />
        <label xlink:type="resource" xlink:label="label1420" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_Impairedfinancialassetsatamortisedcost_en-US">The amount of impaired financial assets the entity has, classified at amortized cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1420" xlink:to="label1420" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SecuredfinancialinstrumentstableTable" xlink:label="element1421" />
        <label xlink:type="resource" xlink:label="label1421" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SecuredfinancialinstrumentstableTable_en-US">Secured Financial Instruments [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1421" xlink:to="label1421" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SecuredfinancialinstrumentsaxisAxis" xlink:label="element1422" />
        <label xlink:type="resource" xlink:label="label1422" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SecuredfinancialinstrumentsaxisAxis_en-US">Secured Financial Instruments [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1422" xlink:to="label1422" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SecuredfinancialinstrumentsdomainMemberDomain" xlink:label="element1423" />
        <label xlink:type="resource" xlink:label="label1423" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SecuredfinancialinstrumentsdomainMemberDomain_en-US">Secured Financial Instruments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1423" xlink:to="label1423" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_MaximuncreditriskexposureMember" xlink:label="element1424" />
        <label xlink:type="resource" xlink:label="label1424" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_MaximuncreditriskexposureMember_en-US">Real Guarantees [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1424" xlink:to="label1424" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfwhichguaranteedMember" xlink:label="element1425" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ImpactsofincreasesordecreasesDomain" xlink:label="element1484" />
        <label xlink:type="resource" xlink:label="label1484" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ImpactsofincreasesordecreasesDomain_en-US">Impacts Of Increases Or Decreases [Member]</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impactofanincrease50percentbasispointMember" xlink:label="element1485" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1485" xlink:to="label1485" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1486" xlink:to="label1486" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_InputforsensitivityanalysisaxisAxis" xlink:label="element1487" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_InputforsensitivityanalysisDomain" xlink:label="element1488" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1488" xlink:to="label1488" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DiscountrateMember" xlink:label="element1489" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SustainablegrowthrateMember" xlink:label="element1490" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosurecapitalincreaseexplanatory" xlink:label="element1491" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Tableoftaxassetsandliabiltiiesexplanatory" xlink:label="element1499" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtSecuritiesAtFairValueThroughtOtherComprehensiveIncome" xlink:label="element1501" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1501" xlink:to="label1501" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtSecuritiesAtFairValueThroughtOtherComprehensiveIncome" xlink:label="element1502" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtSecuritiesAtFairValueThroughtOtherComprehensiveIncome" xlink:label="element1503" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ValuationGainsOrLossesTakenToEquityDebtsecuritiesatfairvaluethroughtothercomprehensiveincome" xlink:label="element1506" />
        <label xlink:type="resource" xlink:label="label1506" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_ValuationGainsOrLossesTakenToEquityDebtsecuritiesatfairvaluethroughtothercomprehensiveincome_en-US">The amount of Valuation gains or losses taken to equity, corresponding to Debt Securities At Fair Value Throught Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1506" xlink:to="label1506" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome" xlink:label="element1507" />
        <label xlink:type="resource" xlink:label="label1507" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xml:lang="en-US" id="total_bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome_en-US">Amounts transferred to income -Debt Securities At Fair Value Throught Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1507" xlink:to="label1507" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome" xlink:label="element1508" />
        <label xlink:type="resource" xlink:label="label1508" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome_en-US">Transferred to profit or loss - Debt Securities At Fair Value Throught Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1508" xlink:to="label1508" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome" xlink:label="element1509" />
        <label xlink:type="resource" xlink:label="label1509" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome_en-US">The amount of Transferred to profit or loss corresponding to Debt Securities At Fair Value Throught Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1509" xlink:to="label1509" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherReclassificationsdebtsecuritiesatfairvaluethroughtothercomprehensiveincome" xlink:label="element1510" />
        <label xlink:type="resource" xlink:label="label1510" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherReclassificationsdebtsecuritiesatfairvaluethroughtothercomprehensiveincome_en-US">Other reclassifications - Debt Securities At Fair Value Throught Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1510" xlink:to="label1510" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherReclassificationsdebtsecuritiesatfairvaluethroughtothercomprehensiveincome" xlink:label="element1511" />
        <label xlink:type="resource" xlink:label="label1511" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_OtherReclassificationsdebtsecuritiesatfairvaluethroughtothercomprehensiveincome_en-US">The amount of comprehensive income that may be reclassfied to income statement associated to other reclassifications on available for sale financial assets.</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1511" xlink:to="label1511" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BbvaShareholderRemunerationPolicy" xlink:label="element1512" />
        <label xlink:type="resource" xlink:label="label1512" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BbvaShareholderRemunerationPolicy_en-US">BBVA Shareholder Remuneration Policy</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1512" xlink:to="label1512" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BbvaShareholderRemunerationPolicy" xlink:label="element1513" />
        <label xlink:type="resource" xlink:label="label1513" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_BbvaShareholderRemunerationPolicy_en-US">Disclosure of the BBVA Shareholder Remuneration Policy</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1513" xlink:to="label1513" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FicnanciaAssetsAtAmortizedCost" xlink:label="element1514" />
        <label xlink:type="resource" xlink:label="label1514" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_FicnanciaAssetsAtAmortizedCost_en-US">Financial Assets at Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1514" xlink:to="label1514" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_FicnanciaAssetsAtAmortizedCost" xlink:label="element1515" />
        <label xlink:type="resource" xlink:label="label1515" xlink:role="http://www.xbrl.org/2003/role/documentation" xml:lang="en-US" id="documentation_bbva_FicnanciaAssetsAtAmortizedCost_en-US">The amount of total interest income of Which Financial Assets at Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1515" xlink:to="label1515" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherAccounts" xlink:label="element1516" />
        <label xlink:type="resource" xlink:label="label1516" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherAccounts_en-US">Other Commitments Given</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1516" xlink:to="label1516" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DeferredtaxassetsandliabilitiesLineItems" xlink:label="element1517" />
        <label xlink:type="resource" xlink:label="label1517" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DeferredtaxassetsandliabilitiesLineItems_en-US">Deferred Tax Assets And Liabilities Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1517" xlink:to="label1517" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansAndAdvancesToCustomersMember" xlink:label="element1518" />
        <label xlink:type="resource" xlink:label="label1518" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansAndAdvancesToCustomersMember_en-US">Loans and advances at fair value [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1518" xlink:to="label1518" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DepositsMember" xlink:label="element1519" />
        <label xlink:type="resource" xlink:label="label1519" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DepositsMember_en-US">Deposits [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1519" xlink:to="label1519" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DebtCertificatesMember" xlink:label="element1520" />
        <label xlink:type="resource" xlink:label="label1520" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DebtCertificatesMember_en-US">Debt Certificates [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1520" xlink:to="label1520" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_InterestExpensesBenefitCommitments" xlink:label="element1521" />
        <label xlink:type="resource" xlink:label="label1521" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_InterestExpensesBenefitCommitments_en-US">Interest Expenses Benefit Commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1521" xlink:to="label1521" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_PersonelExpensesBenefitCommitments" xlink:label="element1522" />
        <label xlink:type="resource" xlink:label="label1522" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_PersonelExpensesBenefitCommitments_en-US">Personel Expenses Benefit Commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1522" xlink:to="label1522" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_PostEmploymentsBenefitExpenseDefinedBenefitPlans" xlink:label="element1523" />
        <label xlink:type="resource" xlink:label="label1523" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_PostEmploymentsBenefitExpenseDefinedBenefitPlans_en-US">Post Employments Benefit Expense Defined Benefit Plans</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1523" xlink:to="label1523" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ProvisionsConsolidatedIncomeStatementImpact" xlink:label="element1524" />
        <label xlink:type="resource" xlink:label="label1524" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ProvisionsConsolidatedIncomeStatementImpact_en-US">Provisions Consolidated Income Statement Impact</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1524" xlink:to="label1524" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalImpactOnProfitAndLossBenefitCommitments" xlink:label="element1525" />
        <label xlink:type="resource" xlink:label="label1525" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalImpactOnProfitAndLossBenefitCommitments_en-US">Total Impact on Profit and Loss Benefit Commitments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1525" xlink:to="label1525" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TotalSeniorManagementMember" xlink:label="element1526" />
        <label xlink:type="resource" xlink:label="label1526" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TotalSeniorManagementMember_en-US">Total Retirement Commitments Senior Management [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1526" xlink:to="label1526" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedatfairvaluethroughothercomprehensiveincome" xlink:label="element1527" />
        <label xlink:type="resource" xlink:label="label1527" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedatfairvaluethroughothercomprehensiveincome_en-US">Fair value of investments in equity instruments designated at fair value through other comprehensive income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1527" xlink:to="label1527" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Adjustmentsofaccountingpoliciesapplications" xlink:label="element1528" />
        <label xlink:type="resource" xlink:label="label1528" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Adjustmentsofaccountingpoliciesapplications_en-US">Adjustments Of Accounting Policies Applications</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1528" xlink:to="label1528" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherbusinessunits" xlink:label="element1529" />
        <label xlink:type="resource" xlink:label="label1529" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherbusinessunits_en-US">OtherBusinessUnits</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1529" xlink:to="label1529" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember" xlink:label="element1530" />
        <label xlink:type="resource" xlink:label="label1530" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember_en-US">Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1530" xlink:to="label1530" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IssuedbycentralbanksMember" xlink:label="element1531" />
        <label xlink:type="resource" xlink:label="label1531" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IssuedbycentralbanksMember_en-US">Issued by central banks [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1531" xlink:to="label1531" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IssuedbypublicadministrationMember" xlink:label="element1532" />
        <label xlink:type="resource" xlink:label="label1532" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IssuedbypublicadministrationMember_en-US">Issued by public administration [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1532" xlink:to="label1532" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IssuedbycreditinstitutionsMember" xlink:label="element1533" />
        <label xlink:type="resource" xlink:label="label1533" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_IssuedbycreditinstitutionsMember_en-US">Issued by credit institutions [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1533" xlink:to="label1533" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CentralbanksdepositsMember" xlink:label="element1534" />
        <label xlink:type="resource" xlink:label="label1534" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CentralbanksdepositsMember_en-US">Central Banks Deposits [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1534" xlink:to="label1534" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditinstitutionsdepositsMember" xlink:label="element1535" />
        <label xlink:type="resource" xlink:label="label1535" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CreditinstitutionsdepositsMember_en-US">Credit Institutions Deposits [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1535" xlink:to="label1535" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CustomersdepositsMember" xlink:label="element1536" />
        <label xlink:type="resource" xlink:label="label1536" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CustomersdepositsMember_en-US">Customers deposits [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1536" xlink:to="label1536" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OtherdebtinstrumentsMember" xlink:label="element1537" />
        <label xlink:type="resource" xlink:label="label1537" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OtherdebtinstrumentsMember_en-US">Other debt instruments [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1537" xlink:to="label1537" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherfinancialliabilitiesandunitlinkedproductsliabilities" xlink:label="element1538" />
        <label xlink:type="resource" xlink:label="label1538" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherfinancialliabilitiesandunitlinkedproductsliabilities_en-US">OtherFinancialLiabilitiesAndUnitLinkedProductsLiabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1538" xlink:to="label1538" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets" xlink:label="element1539" />
        <label xlink:type="resource" xlink:label="label1539" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets_en-US">Fair Value Debt Securities Available For Sale Financial Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1539" xlink:to="label1539" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfwhichimpairedloansandadvancestocustomersMember" xlink:label="element1540" />
        <label xlink:type="resource" xlink:label="label1540" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OfwhichimpairedloansandadvancestocustomersMember_en-US">Of which impaired loans and advances to customers [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1540" xlink:to="label1540" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfWhichLoansAndAdvancesValueCorrectionsMember" xlink:label="element1541" />
        <label xlink:type="resource" xlink:label="label1541" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OfWhichLoansAndAdvancesValueCorrectionsMember_en-US">Of Which Loans And Advances Value Corrections [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1541" xlink:to="label1541" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OfwhichdebtsecuritiesvaluecorrectionsMember" xlink:label="element1542" />
        <label xlink:type="resource" xlink:label="label1542" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OfwhichdebtsecuritiesvaluecorrectionsMember_en-US">Of which debt securities value corrections [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1542" xlink:to="label1542" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TableoffinancialliabilitiesatamortizedcostTable" xlink:label="element1543" />
        <label xlink:type="resource" xlink:label="label1543" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TableoffinancialliabilitiesatamortizedcostTable_en-US">Table of financial liabilities at amortized cost [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1543" xlink:to="label1543" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TableoffinancialliabilitiesatamortizedcostaxisAxis" xlink:label="element1544" />
        <label xlink:type="resource" xlink:label="label1544" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TableoffinancialliabilitiesatamortizedcostaxisAxis_en-US">Table of financial liabilities at amortized cost [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1544" xlink:to="label1544" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TableoffinancialliabilitiesatamortizedcostdomainMember" xlink:label="element1545" />
        <label xlink:type="resource" xlink:label="label1545" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TableoffinancialliabilitiesatamortizedcostdomainMember_en-US">TableOfFinancialLiabilitiesAtAmortizedCostDomain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1545" xlink:to="label1545" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CurrentaccountMember" xlink:label="element1546" />
        <label xlink:type="resource" xlink:label="label1546" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CurrentaccountMember_en-US">CurrentAccount [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1546" xlink:to="label1546" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TermaccountMember" xlink:label="element1547" />
        <label xlink:type="resource" xlink:label="label1547" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TermaccountMember_en-US">TermAccount [Member]</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TemporalassetleaseMember" xlink:label="element1548" />
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        <label xlink:type="resource" xlink:label="label1549" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NonconvertibleothersubordinatedliabilitiesMember_en-US">Non convertible other subordinated liabilities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1549" xlink:to="label1549" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NonconvertiblepreferredliabilitiesMember" xlink:label="element1550" />
        <label xlink:type="resource" xlink:label="label1550" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NonconvertiblepreferredliabilitiesMember_en-US">Non convertible preferred liabilities [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1550" xlink:to="label1550" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1551" xlink:to="label1551" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BbvaargentinaMember" xlink:label="element1552" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialassetsatfairvaluethroughprofitandloss" xlink:label="element1554" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Demandaccountsincome" xlink:label="element1555" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1555" xlink:to="label1555" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Securitiesadministrationandcustody" xlink:label="element1556" />
        <label xlink:type="resource" xlink:label="label1556" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Securitiesadministrationandcustody_en-US">SecuritiesAdministrationAndCustody</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1556" xlink:to="label1556" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansgrantedpledges" xlink:label="element1557" />
        <label xlink:type="resource" xlink:label="label1557" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansgrantedpledges_en-US">Loans Granted Pledges</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1557" xlink:to="label1557" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Otherpledgesandfinancialguarantees" xlink:label="element1558" />
        <label xlink:type="resource" xlink:label="label1558" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Otherpledgesandfinancialguarantees_en-US">Other Pledges And Financial Guarantees</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1558" xlink:to="label1558" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Demandaccountsexpenses" xlink:label="element1559" />
        <label xlink:type="resource" xlink:label="label1559" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Demandaccountsexpenses_en-US">DemandAccountsExpenses</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1559" xlink:to="label1559" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Ofwhichhiperinflationadjustments" xlink:label="element1560" />
        <label xlink:type="resource" xlink:label="label1560" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Ofwhichhiperinflationadjustments_en-US">Hiperinflation Adjustments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1560" xlink:to="label1560" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Ofwhichdepositsguaranteefund" xlink:label="element1561" />
        <label xlink:type="resource" xlink:label="label1561" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Ofwhichdepositsguaranteefund_en-US">Deposits Guarantee Fund</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1561" xlink:to="label1561" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Ofwhichhiperinflationadjustmentsexpense" xlink:label="element1562" />
        <label xlink:type="resource" xlink:label="label1562" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Ofwhichhiperinflationadjustmentsexpense_en-US">Hiperinflation Adjustments Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1562" xlink:to="label1562" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_AssetuserightMember" xlink:label="element1563" />
        <label xlink:type="resource" xlink:label="label1563" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_AssetuserightMember_en-US">Asset Use Right [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1563" xlink:to="label1563" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_InterestincomeandothersimilarinterestIncomes" xlink:label="element1564" />
        <label xlink:type="resource" xlink:label="label1564" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_InterestincomeandothersimilarinterestIncomes_en-US">Interest Income And Other Similar Interest Incomes</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1564" xlink:to="label1564" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Principalgeographicalareasgdp" xlink:label="element1565" />
        <label xlink:type="resource" xlink:label="label1565" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Principalgeographicalareasgdp_en-US">Principal Geographical Areas GDP</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1565" xlink:to="label1565" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Gdpscenarioslineitems" xlink:label="element1566" />
        <label xlink:type="resource" xlink:label="label1566" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Gdpscenarioslineitems_en-US">GDP Scenarios Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1566" xlink:to="label1566" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofgdpscenariosAxisTable" xlink:label="element1567" />
        <label xlink:type="resource" xlink:label="label1567" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofgdpscenariosAxisTable_en-US">Type Of GDP Scenarios [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1567" xlink:to="label1567" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofgdpscenariosaxisAxis" xlink:label="element1568" />
        <label xlink:type="resource" xlink:label="label1568" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofgdpscenariosaxisAxis_en-US">Type Of GDP Scenarios Axis [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1568" xlink:to="label1568" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofgdpscenariosdomainMember" xlink:label="element1569" />
        <label xlink:type="resource" xlink:label="label1569" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofgdpscenariosdomainMember_en-US">Type Of GDP Scenarios Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1569" xlink:to="label1569" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CountryaxisAxis" xlink:label="element1570" />
        <label xlink:type="resource" xlink:label="label1570" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CountryaxisAxis_en-US">CountryAxis [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1570" xlink:to="label1570" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CountrydomainMember" xlink:label="element1571" />
        <label xlink:type="resource" xlink:label="label1571" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CountrydomainMember_en-US">Country Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1571" xlink:to="label1571" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ParValuePerShare1" xlink:label="element1572" />
        <label xlink:type="resource" xlink:label="label1572" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ParValuePerShare1_en-US">Par Value Per Share</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1572" xlink:to="label1572" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SubtotallistedequityMember" xlink:label="element1573" />
        <label xlink:type="resource" xlink:label="label1573" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SubtotallistedequityMember_en-US">Subtotal Listed Equity [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1573" xlink:to="label1573" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_SubtotalunlistedequityMember" xlink:label="element1574" />
        <label xlink:type="resource" xlink:label="label1574" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_SubtotalunlistedequityMember_en-US">Subtotal Unlisted Equity [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1574" xlink:to="label1574" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NationalcompanysharesMember" xlink:label="element1575" />
        <label xlink:type="resource" xlink:label="label1575" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NationalcompanysharesMember_en-US">National Company Shares [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1575" xlink:to="label1575" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ForeigncompanysharesMember" xlink:label="element1576" />
        <label xlink:type="resource" xlink:label="label1576" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ForeigncompanysharesMember_en-US">Foreign Company Shares [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1576" xlink:to="label1576" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NationalcompanysharesunlistedMember" xlink:label="element1577" />
        <label xlink:type="resource" xlink:label="label1577" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_NationalcompanysharesunlistedMember_en-US">National Company Shares Unlisted [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1577" xlink:to="label1577" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ForeigncompanysharesunlistedMember" xlink:label="element1578" />
        <label xlink:type="resource" xlink:label="label1578" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ForeigncompanysharesunlistedMember_en-US">Foreign Company Shares Unlisted [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1578" xlink:to="label1578" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalfinancialassetsatthebeginning" xlink:label="element1579" />
        <label xlink:type="resource" xlink:label="label1579" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalfinancialassetsatthebeginning_en-US">Total Financial Assets At The Beginning</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1579" xlink:to="label1579" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalfinancialassetsattheend" xlink:label="element1580" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1580" xlink:to="label1580" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Goodwillatthebegginingoftheperiod" xlink:label="element1581" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1581" xlink:to="label1581" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Goodwillattheendoftheperiod" xlink:label="element1582" />
        <label xlink:type="resource" xlink:label="label1582" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Goodwillattheendoftheperiod_en-US">Goodwill At The End Of The Period</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1582" xlink:to="label1582" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalliabilities" xlink:label="element1583" />
        <label xlink:type="resource" xlink:label="label1583" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalliabilities_en-US">Total Liabilities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1583" xlink:to="label1583" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalassets" xlink:label="element1584" />
        <label xlink:type="resource" xlink:label="label1584" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalassets_en-US">Total Assets</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1584" xlink:to="label1584" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Hedginginstruments" xlink:label="element1585" />
        <label xlink:type="resource" xlink:label="label1585" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Hedginginstruments_en-US">Hedging Instruments</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1585" xlink:to="label1585" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CertifieddepositsMember" xlink:label="element1586" />
        <label xlink:type="resource" xlink:label="label1586" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_CertifieddepositsMember_en-US">Certified Deposits [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1586" xlink:to="label1586" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ValuationmethodAxis" xlink:label="element1587" />
        <label xlink:type="resource" xlink:label="label1587" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ValuationmethodAxis_en-US">Valuation Method [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1587" xlink:to="label1587" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ValuedomainMember" xlink:label="element1588" />
        <label xlink:type="resource" xlink:label="label1588" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ValuedomainMember_en-US">Value Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1588" xlink:to="label1588" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_BookvalueMember" xlink:label="element1589" />
        <label xlink:type="resource" xlink:label="label1589" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_BookvalueMember_en-US">Book Value [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1589" xlink:to="label1589" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Costrectificationfromaccountinghedges" xlink:label="element1590" />
        <label xlink:type="resource" xlink:label="label1590" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Costrectificationfromaccountinghedges_en-US">Cost Rectification From Accounting Hedges</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1590" xlink:to="label1590" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems" xlink:label="element1600" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosurecreditriskbystagesandgeographiclocationtabledomainMember" xlink:label="element1603" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1603" xlink:to="label1603" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditriskbystagesaxisAxis" xlink:label="element1604" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CreditriskbystagesdomainMember" xlink:label="element1605" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1605" xlink:to="label1605" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Maximumcreditriskexposure" xlink:label="element1606" />
        <label xlink:type="resource" xlink:label="label1606" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Maximumcreditriskexposure_en-US">Maximum Credit Risk Exposure</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1606" xlink:to="label1606" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Accumulatedvaluecorrection" xlink:label="element1607" />
        <label xlink:type="resource" xlink:label="label1607" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Accumulatedvaluecorrection_en-US">Accumulated Value Correction</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1607" xlink:to="label1607" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Netamount" xlink:label="element1608" />
        <label xlink:type="resource" xlink:label="label1608" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Netamount_en-US">Net Amount</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1608" xlink:to="label1608" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Financialguaranteereceived" xlink:label="element1609" />
        <label xlink:type="resource" xlink:label="label1609" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Financialguaranteereceived_en-US">Financial Guarantee received</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1609" xlink:to="label1609" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems" xlink:label="element1610" />
        <label xlink:type="resource" xlink:label="label1610" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems_en-US">Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1610" xlink:to="label1610" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Valuecorrectionsloansandadvancesbylevels" xlink:label="element1611" />
        <label xlink:type="resource" xlink:label="label1611" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Valuecorrectionsloansandadvancesbylevels_en-US">Value Corrections Loans And Advances</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1611" xlink:to="label1611" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_DisclosureofvaluecorrectionsloansandadvancesatamortizedcosttabletableTable" xlink:label="element1612" />
        <label xlink:type="resource" xlink:label="label1612" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_DisclosureofvaluecorrectionsloansandadvancesatamortizedcosttabletableTable_en-US">Disclosure of value corrections loans and advances at amortized cost table Table [Table]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1612" xlink:to="label1612" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis" xlink:label="element1613" />
        <label xlink:type="resource" xlink:label="label1613" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis_en-US">Value corrections loans and advances atamortized cost Axis [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1613" xlink:to="label1613" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ValuecorrectionsloansandadvancesatamortizedcostdomainMember" xlink:label="element1614" />
        <label xlink:type="resource" xlink:label="label1614" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ValuecorrectionsloansandadvancesatamortizedcostdomainMember_en-US">Value corrections loans and advances at amortized cost Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1614" xlink:to="label1614" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ValuecorrectionsloansandadvancesatamortizedcostbyoperationsaxisAxis" xlink:label="element1615" />
        <label xlink:type="resource" xlink:label="label1615" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ValuecorrectionsloansandadvancesatamortizedcostbyoperationsaxisAxis_en-US">Value corrections loans and advances at amortized cost by operations axis [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1615" xlink:to="label1615" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_ValuecorrectionsloansandadvancesatamortizedcostbyoperationsdomainMember" xlink:label="element1616" />
        <label xlink:type="resource" xlink:label="label1616" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_ValuecorrectionsloansandadvancesatamortizedcostbyoperationsdomainMember_en-US">Value corrections loans and advances at amortized cost by operations Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1616" xlink:to="label1616" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Ofwhichprospectivechangesinaccountingpolicies" xlink:label="element1617" />
        <label xlink:type="resource" xlink:label="label1617" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Ofwhichprospectivechangesinaccountingpolicies_en-US">Of Which Prospective Changes In Accounting Policies</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1617" xlink:to="label1617" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Ofwhichretrospectivechangesinaccountingpolicies" xlink:label="element1618" />
        <label xlink:type="resource" xlink:label="label1618" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Ofwhichretrospectivechangesinaccountingpolicies_en-US">Of which retrospective changes in accounting policies</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1618" xlink:to="label1618" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Changesinvaluecorrectionsloansandadvancesatamortizedcost" xlink:label="element1619" />
        <label xlink:type="resource" xlink:label="label1619" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Changesinvaluecorrectionsloansandadvancesatamortizedcost_en-US">Changes In Value Corrections Loans And Advances At Amortized Cost</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1619" xlink:to="label1619" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestincomefinancialassetsatfairvaluethroughothercomprehensiveincome" xlink:label="element1620" />
        <label xlink:type="resource" xlink:label="label1620" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestincomefinancialassetsatfairvaluethroughothercomprehensiveincome_en-US">Interest Income Financial Assets At Fair Value Through Other Comprehensive Income</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1620" xlink:to="label1620" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestexpensefinancialliabilitiesatfairvaluethroughprofitorloss" xlink:label="element1621" />
        <label xlink:type="resource" xlink:label="label1621" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestexpensefinancialliabilitiesatfairvaluethroughprofitorloss_en-US">Interest Expense Financial Liabilities At Fair Value Through Profit Or Loss</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1621" xlink:to="label1621" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Totalinterestexpense" xlink:label="element1622" />
        <label xlink:type="resource" xlink:label="label1622" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Totalinterestexpense_en-US">Total Interest Expense</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1622" xlink:to="label1622" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Interestexpensesfromoperationswithgroupentities" xlink:label="element1623" />
        <label xlink:type="resource" xlink:label="label1623" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Interestexpensesfromoperationswithgroupentities_en-US">Interest Expenses From Operations With Group Entities</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1623" xlink:to="label1623" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Hedginginstrumentsaffectedbyibor" xlink:label="element1624" />
        <label xlink:type="resource" xlink:label="label1624" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Hedginginstrumentsaffectedbyibor_en-US">Hedging Instruments Affected By IBOR</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1624" xlink:to="label1624" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofinstrumentsaffectedbyiborabstarct" xlink:label="element1625" />
        <label xlink:type="resource" xlink:label="label1625" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Disclosureofinstrumentsaffectedbyiborabstarct_en-US">Disclosure Of Instruments Affected By IBOR Abstarct</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1625" xlink:to="label1625" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Typeofcurrencylineitems" xlink:label="element1626" />
        <label xlink:type="resource" xlink:label="label1626" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Typeofcurrencylineitems_en-US">Type Of Currency LineItems</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1626" xlink:to="label1626" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofhedginginstrumenttableTable" xlink:label="element1627" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1627" xlink:to="label1627" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeoghedginginstrumentaxisAxis" xlink:label="element1628" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1628" xlink:to="label1628" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_HedginginstrumentdomainMember" xlink:label="element1629" />
        <label xlink:type="resource" xlink:label="label1629" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_HedginginstrumentdomainMember_en-US">Hedging Instrument Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1629" xlink:to="label1629" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_IntrumentsCashflowhedgesMember" xlink:label="element1630" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1630" xlink:to="label1630" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Liborusd" xlink:label="element1631" />
        <label xlink:type="resource" xlink:label="label1631" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Liborusd_en-US">LIBOR USD</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1631" xlink:to="label1631" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Liborgbp" xlink:label="element1632" />
        <label xlink:type="resource" xlink:label="label1632" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Liborgbp_en-US">LIBOR GBP</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1632" xlink:to="label1632" />
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        <label xlink:type="resource" xlink:label="label1645" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_RetrievalsMember_en-US">Retrievals [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1645" xlink:to="label1645" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1646" xlink:to="label1646" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1647" xlink:to="label1647" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Privatemoratorium" xlink:label="element1649" />
        <label xlink:type="resource" xlink:label="label1649" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Privatemoratorium_en-US">Moratorium</label>
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OperationsandamountsbythemoratoriumtableTable" xlink:label="element1650" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_TypeofoperationaxisAxis" xlink:label="element1651" />
        <label xlink:type="resource" xlink:label="label1651" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_TypeofoperationaxisAxis_en-US">Type Of Operation Axis [Axis]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1651" xlink:to="label1651" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_OperationdomainMember" xlink:label="element1652" />
        <label xlink:type="resource" xlink:label="label1652" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_OperationdomainMember_en-US">Operation Domain [Member]</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1652" xlink:to="label1652" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loanoperationsandamountsfromthemoratoriumsgivenbythegroupwithpublicguaranteesabstract" xlink:label="element1653" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loansoperationsandamountslineitems" xlink:label="element1654" />
        <label xlink:type="resource" xlink:label="label1654" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en-US" id="label_bbva_Loansoperationsandamountslineitems_en-US">Loans Operations And Amounts Line Items</label>
        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1654" xlink:to="label1654" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansoperationsandamountsbythemoratoriumwithpublicguaranteestabletableTable" xlink:label="element1655" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loandandadvancesimpairedabstarct" xlink:label="element1656" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1656" xlink:to="label1656" />
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        <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="element1657" xlink:to="label1657" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Bookvalue" xlink:label="element1658" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Loandandadvancesimpaired" xlink:label="element1659" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_CashandcashbalancesincentralbanksandothersMember" xlink:label="element1666" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Realstateinvestments" xlink:label="element1669" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_UserightsMember" xlink:label="element1670" />
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        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesdomainMember" xlink:label="Locator_bbva_LoansandadvancesdomainMember_5109" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_NonfinancialinstitutionsMember" xlink:label="Locator_bbva_NonfinancialinstitutionsMember_5110" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_bbva_LoansandadvancesdomainMember_5109" xlink:to="Locator_bbva_NonfinancialinstitutionsMember_5110" order="5.0" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_LoansandadvancesdomainMember" xlink:label="Locator_bbva_LoansandadvancesdomainMember_5111" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_HouseholdsMember" xlink:label="Locator_bbva_HouseholdsMember_5112" />
        <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="Locator_bbva_LoansandadvancesdomainMember_5111" xlink:to="Locator_bbva_HouseholdsMember_5112" order="6.0" />
    </presentationLink>
    <presentationLink xlink:type="extended" xlink:role="http://www.bbva.es/role/Note43ImpairmentOrReversalOfImpairmentOnJointVenturesAndAssociatedCompanies">
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Impairmentorreversalofjointventuresandassociatedcompaniesabstract" xlink:label="Locator_bbva_Impairmentorreversalofjointventuresandassociatedcompaniesabstract_5113" />
        <loc xlink:type="locator" xlink:href="bbva-20200630.xsd#bbva_Disclosureofimpairmentorreversalofjointventuresandassociatedcompaniesexplanatory" xlink:label="Locator_bbva_Disclosureofimpairmentorreversalofjointventuresandassociatedcompaniesexplanatory_5114" />
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174874248">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DocumentandentityinformationAbstract', window );"><strong>Document and Entity Information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">BANCO BILBAO VIZCAYA ARGENTARIA, S.A.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000842180<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">6-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun. 30,  2020<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DocumentandentityinformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DocumentandentityinformationAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>19
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170888472">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Financial Statements - Balance sheets - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">BBVA Cash Balance Available To The Date</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 65,877,000,000<span></span>
</td>
<td class="nump">&#8364; 44,303,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Total financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">119,332,000,000<span></span>
</td>
<td class="nump">102,688,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">49,239,000,000<span></span>
</td>
<td class="nump">33,185,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Equityinstrumentsheldfortrading', window );">Equity Instruments Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,862,000,000<span></span>
</td>
<td class="nump">8,892,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtinstrumentsheldfortrading', window );">Debt Instruments Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">26,640,000,000<span></span>
</td>
<td class="nump">26,309,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancestocentralbanksheldfortrading', window );">Loans and Advances to Central Banks Held for Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">636,000,000<span></span>
</td>
<td class="nump">535,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancestobanksheldfortrading', window );">Loans And Advances To Banks Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24,912,000,000<span></span>
</td>
<td class="nump">21,286,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancestocustomersheldfortrading', window );">Loans And Advances To Customers Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12,044,000,000<span></span>
</td>
<td class="nump">12,482,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue', window );">Total Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,998,000,000<span></span>
</td>
<td class="nump">5,557,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Equityinstrumentsmandatorilymeasuredatfairvalue', window );">Equity Instruments Mandatorily Measured At Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,058,000,000<span></span>
</td>
<td class="nump">4,327,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue', window );">Debt Securities At Fair Vale Mandatorily Measured At Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">250,000,000<span></span>
</td>
<td class="nump">110,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue', window );">Loans And Advances To Customers Mandatorily Measured At Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">690,000,000<span></span>
</td>
<td class="nump">1,120,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,098,000,000<span></span>
</td>
<td class="nump">1,214,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtsecuritiesatfairvale', window );">Debt Securities, at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,098,000,000<span></span>
</td>
<td class="nump">1,214,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancestocustomersatfairvalue', window );">Loans And Advances To Customers At Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial Assets At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">70,045,000,000<span></span>
</td>
<td class="nump">61,183,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsatfairvaluethroughothercomprehensiveincome', window );">Subtotal Equity instruments At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,789,000,000<span></span>
</td>
<td class="nump">2,420,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsatfairvaluethroughothercomprehensiveincome', window );">Subtotal Debt Instruments At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">68,223,000,000<span></span>
</td>
<td class="nump">58,731,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesfinancialassetsatfairvaluethroughothercomprehensiveincome', window );">Loans and advances Financial Assets At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">33,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtAmortisedCost', window );">FINANCIAL ASSETS AT AMORTIZED COST</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">450,222,000,000<span></span>
</td>
<td class="nump">439,162,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtsecuritiesloansandadvances', window );">Debt Securities Financial Assets at Amortized Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">43,396,000,000<span></span>
</td>
<td class="nump">38,877,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancestocentralbanks', window );">Loans and advances to central banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,773,000,000<span></span>
</td>
<td class="nump">4,275,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToBanks', window );">Loans and advances to banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,842,000,000<span></span>
</td>
<td class="nump">13,649,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and Advances to customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">387,212,000,000<span></span>
</td>
<td class="nump">382,360,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">HEDGING DERIVATIVES, ASSETS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,531,000,000<span></span>
</td>
<td class="nump">1,729,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, ASSETS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">60,000,000<span></span>
</td>
<td class="nump">28,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">INVESTMENTS IN SUBSIDIARIES JOINT VENTURES AND ASSOCIATES</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,366,000,000<span></span>
</td>
<td class="nump">1,488,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVentures', window );">Joint ventures</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">150,000,000<span></span>
</td>
<td class="nump">154,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociates', window );">Associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,216,000,000<span></span>
</td>
<td class="nump">1,334,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued', window );">INSURANCE OR REINSURANCE ASSETS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">332,000,000<span></span>
</td>
<td class="nump">341,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tangibleassets', window );">TANGIBLE ASSETS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,057,000,000<span></span>
</td>
<td class="nump">10,068,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_PropertyPlantAndEquipment', window );">Total Property, plant and equipment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,796,000,000<span></span>
</td>
<td class="nump">9,816,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totaltangibleassetforownuse', window );">For own use (PPE)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">8,578,000,000<span></span>
</td>
<td class="nump">9,554,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Assetsleasedoutunderanoperatinglease', window );">Assets leased out under an operating lease</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">217,000,000<span></span>
</td>
<td class="nump">263,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentProperty', window );">Investment Property</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">261,000,000<span></span>
</td>
<td class="nump">252,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsAndGoodwill', window );">INTANGIBLE ASSETS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,623,000,000<span></span>
</td>
<td class="nump">6,966,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Goodwill', window );">Goodwill</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,760,000,000<span></span>
</td>
<td class="nump">4,955,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Other intangible assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,863,000,000<span></span>
</td>
<td class="nump">2,010,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Taxassets', window );">TAX ASSETS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">16,718,000,000<span></span>
</td>
<td class="nump">17,083,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CurrentTaxAssets', window );">Current tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,182,000,000<span></span>
</td>
<td class="nump">1,765,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">15,536,000,000<span></span>
</td>
<td class="nump">15,318,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">OTHER ASSETS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,360,000,000<span></span>
</td>
<td class="nump">3,800,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Insurancecontractslinkedtopensions', window );">Insurance contracts linked to pensions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Inventories', window );">Inventories</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">615,000,000<span></span>
</td>
<td class="nump">581,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Restotherassets', window );">Rest other assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,744,000,000<span></span>
</td>
<td class="nump">3,220,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,205,000,000<span></span>
</td>
<td class="nump">3,079,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">TOTAL ASSETS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">753,824,000,000<span></span>
</td>
<td class="nump">698,690,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilitiesAbstract', window );"><strong>LIABILITIES AND EQUITY</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">FINANCIAL LIABILITIES HELD FOR TRADING</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">108,624,000,000<span></span>
</td>
<td class="nump">89,633,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities, held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">50,154,000,000<span></span>
</td>
<td class="nump">35,019,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Shortpositionsfinancialliabilitiesheldfortrading', window );">Short positions, held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,832,000,000<span></span>
</td>
<td class="nump">12,249,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsfromcentralbanksheldfortrading', window );">Deposits from central banks, held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,685,000,000<span></span>
</td>
<td class="nump">7,635,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsfromcreditinstitutionsheldfortrading', window );">Deposits from credit institutions, held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">28,617,000,000<span></span>
</td>
<td class="nump">24,969,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Customerdepositsheldfortrading', window );">Customer deposits, held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12,335,000,000<span></span>
</td>
<td class="nump">9,761,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtcertificatesheldfortrading', window );">Debt certificates, held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherfinancialliabilitiesheldfortrading', window );">Other Financial liabilities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss', window );">TOTAL Financial Liabilities At Fair Value Through Profit or Loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,203,000,000<span></span>
</td>
<td class="nump">10,010,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsfromcentralbanksatfairvalue', window );">Deposits from central banks, at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsfromcreditinstitutionsatfairvalue', window );">Deposits from credit institutions, at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Customerdepositsatfairvalue', window );">Customer deposits, at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">914,000,000<span></span>
</td>
<td class="nump">944,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtcertificatesatfairvalue', window );">Debt certificates, at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,202,000,000<span></span>
</td>
<td class="nump">4,656,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherfinancialliabilitiesatfairvalue', window );">Other financial liabilities, at fair value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,087,000,000<span></span>
</td>
<td class="nump">4,410,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">559,713,000,000<span></span>
</td>
<td class="nump">516,641,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesDueToCentralBanks', window );">Deposits from cental banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">46,667,000,000<span></span>
</td>
<td class="nump">25,950,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32,356,000,000<span></span>
</td>
<td class="nump">28,751,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">402,184,000,000<span></span>
</td>
<td class="nump">384,219,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">64,421,000,000<span></span>
</td>
<td class="nump">63,963,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities, at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,085,000,000<span></span>
</td>
<td class="nump">13,758,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">HEDGING DERIVATIVES, LIABILITIES</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,368,000,000<span></span>
</td>
<td class="nump">2,233,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, LIABILITIES</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesArisingFromInsuranceContracts', window );">LIABILITIES UNDER INSURANCE CONTRACTS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,462,000,000<span></span>
</td>
<td class="nump">10,606,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6,494,000,000<span></span>
</td>
<td class="nump">6,538,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProvisionsForEmployeeBenefits', window );">Pensions and other post employment defined Benefit Obligations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,427,000,000<span></span>
</td>
<td class="nump">4,631,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherlongtermemployeebenefits', window );">Other long term employee benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">53,000,000<span></span>
</td>
<td class="nump">61,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LegalProceedingsProvision', window );">Provisions for taxes and other legal contingencies</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">738,000,000<span></span>
</td>
<td class="nump">677,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Provisionscommitmentsandguaranteesgiven', window );">Provisions for contingent risks and commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">774,000,000<span></span>
</td>
<td class="nump">711,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherProvisions', window );">Other Provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">502,000,000<span></span>
</td>
<td class="nump">457,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Taxliabilities', window );">TAX LIABILITIES</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,529,000,000<span></span>
</td>
<td class="nump">2,808,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CurrentTaxLiabilities', window );">Current tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">560,000,000<span></span>
</td>
<td class="nump">880,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,968,000,000<span></span>
</td>
<td class="nump">1,928,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">OTHER LIABILITIES</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,107,000,000<span></span>
</td>
<td class="nump">3,742,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale', window );">LIABILITIES INCLUDED IN DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,769,000,000<span></span>
</td>
<td class="nump">1,554,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">TOTAL LIABILITIES</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">704,269,000,000<span></span>
</td>
<td class="nump">643,765,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Shareholdersfunds', window );">Total shareholders' funds</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">56,541,000,000<span></span>
</td>
<td class="nump">58,950,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">Capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,267,000,000<span></span>
</td>
<td class="nump">3,267,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Paidupcapital', window );">Paid up capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,267,000,000<span></span>
</td>
<td class="nump">3,267,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Unpaidcapitalwhichhasbeencalledup', window );">Unpaid capital which has been called up</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SharePremium', window );">Share Premium</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">23,992,000,000<span></span>
</td>
<td class="nump">23,992,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Equityinstrumentsissuedotherthancapital', window );">Equity Instruments issued other than capital</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherEquityInterest', window );">Other Equity ( Capital base and management)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">37,000,000<span></span>
</td>
<td class="nump">56,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RetainedEarnings', window );">Retained Earnings</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">30,589,000,000<span></span>
</td>
<td class="nump">29,388,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RevaluationSurplus', window );">Revaluation Reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherReserves', window );">Total Other Reserves</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(160,000,000)<span></span>
</td>
<td class="num">(119,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Reservesoraccumulatedlossesofinvestmentsinsubsidariesjointventuresandassociates', window );">Reserves or accumulated losses of investments in subsidaries, joint ventures and associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(160,000,000)<span></span>
</td>
<td class="num">(119,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherotherreserves', window );">Other Reserves, other</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_TreasuryShares', window );">Less Treasury shares</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(28,000,000)<span></span>
</td>
<td class="num">(62,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Profitlossattributabletoownersofparentshareholdersfunds', window );">Profits or losses attributables to owners of the parent</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,157,000,000)<span></span>
</td>
<td class="nump">3,512,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interimdividend', window );">Less Interim dividends</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,084,000,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Total accumulated other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12,822,000,000)<span></span>
</td>
<td class="num">(10,226,000,000)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance', window );">Total Items that will not be reclassified to profit or loss balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,253,000,000)<span></span>
</td>
<td class="num">(1,875,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance', window );">Actuarial gains or (-) losses on defined benefit pension plans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,381,000,000)<span></span>
</td>
<td class="num">(1,498,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale', window );">Non-current assets and disposal groups classified as held for sale (not reclassified)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance', window );">Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue', window );">Other Comprehensive Income Net Of Tax Change At fair Value Of Equity Instruments Measured At Fair Value</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(940,000,000)<span></span>
</td>
<td class="num">(403,000,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome', window );">Total Hedge ineffectiveness of fair value hedge for equity instruments measured at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedgedItem', window );">Fair value changes of equity instruments measured at fair value through other comprehensive income [hedged item]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedginginstrument', window );">Fair value changes of equity instruments measured at fair value through other comprehensive income hedging instrument</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk', window );">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">67,000,000<span></span>
</td>
<td class="nump">24,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Itemsthatmaybereclassifiedtoprofitorloss', window );">Total Items that may be reclassified to profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,570,000,000)<span></span>
</td>
<td class="num">(8,351,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance', window );">Hedge of net investments in foreign operations(effective portion)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(312,000,000)<span></span>
</td>
<td class="num">(896,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance', window );">Foreign currency translation balance</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12,351,000,000)<span></span>
</td>
<td class="num">(9,147,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance', window );">Hedging derivatives.Cash flow hedges(efffective portion)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">308,000,000<span></span>
</td>
<td class="num">(44,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome', window );">Changes In The Fair Value Of Debt Instruments Measured At Fair Value With Changes In Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,830,000,000<span></span>
</td>
<td class="nump">1,760,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxofhedginginstruments', window );">Other Comprehensive Income Net Of Tax Of Hedging Instruments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance', window );">Non-current assets and disposal groups classified as held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(27,000,000)<span></span>
</td>
<td class="num">(18,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance', window );">Share of other recognized income and expense of investments in subsidiaries joint ventures and associates</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(19,000,000)<span></span>
</td>
<td class="num">(5,000,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncontrollingInterests', window );">MINORITY INTERESTS (NON-CONTROLLING INTEREST)</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,836,000,000<span></span>
</td>
<td class="nump">6,201,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuationadjustments', window );">Valuation adjustments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(6,148,000,000)<span></span>
</td>
<td class="num">(5,572,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Restnoncontrollinginterest', window );">Rest non-controlling interest</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,984,000,000<span></span>
</td>
<td class="nump">11,773,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Equity', window );">TOTAL EQUITY</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">49,555,000,000<span></span>
</td>
<td class="nump">54,925,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EquityAndLiabilities', window );">Equity and liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 753,824,000,000<span></span>
</td>
<td class="nump">&#8364; 698,690,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   The variation corresponds mainly to foreign exchange derivatives in BBVA S.A.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) </font>
          <font style="font-family:Arial;font-size:6pt;">Individually insignificant provisions or contingencies, for various concepts in different geographies.</font>
        </p>
      </div></td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will not be reclassified to profir or loss associated to non - current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will may be reclassified to profir or loss associated to non - current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Assetsleasedoutunderanoperatinglease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that are leased out under an operating lease. Reflect the amount of an assets that are leased out under operating leases.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Assetsleasedoutunderanoperatinglease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to debt securities, available for sale, during the exercise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Customerdepositsatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of customers deposits as financial liabilities designated at fair value throught profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Customerdepositsatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Customerdepositsheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of customers deposits classified as financial liabilities held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Customerdepositsheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtcertificatesatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt certificated as financial liabilities designated at fair value throught profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtcertificatesatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtcertificatesheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt certificated classified as financial liabilities held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtcertificatesheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtinstrumentsheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt instruments held for trading. [Refer: Debt instruments; Debt instruments at fair value through profit or loss, classified as held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtinstrumentsheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtsecuritiesatfairvale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt instruments held, at fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtsecuritiesatfairvale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt securities classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtsecuritiesloansandadvances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt securities held by the entity, recognized financial assets at amortized cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtsecuritiesloansandadvances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Depositsfromcentralbanksatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Deposits from Central Banks classified at fair value through profit or loss. The amount of deposits from central banks as financial liabilities designated at fair value throught profit or loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Depositsfromcentralbanksatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Depositsfromcentralbanksheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposits from central banks classified as financial liabilities held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Depositsfromcentralbanksheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Depositsfromcreditinstitutionsatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposits from credit institutions as financial liabilities designated at fair value throught profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Depositsfromcreditinstitutionsatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Depositsfromcreditinstitutionsheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposits from credit institutions classified as financial liabilitiesheld for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Depositsfromcreditinstitutionsheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Equityinstrumentsheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments held for trading. [Refer: Equity instrument at fair value through profit or loss, classified as held for trading</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Equityinstrumentsheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Equityinstrumentsissuedotherthancapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments issued represented by other instruments that not capital.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Equityinstrumentsissuedotherthancapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Equityinstrumentsmandatorilymeasuredatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Equityinstrumentsmandatorilymeasuredatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedgedItem">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fair value changes of equity instruments, measured at fair value through other comprehensive income [hedged item]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedgedItem</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedginginstrument">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Fair value changes of equity instruments measured at fair value through other comprehensive income hedging instrument</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fairvaluechangesofequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincomehedginginstrument</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Hedge ineffectiveness of fair value hedge for equity instruments measured at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensivencome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Insurancecontractslinkedtopensions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets arising from insurance contracts linked to satisfy pension commitments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Insurancecontractslinkedtopensions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interimdividend">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of interim dividends paid</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interimdividend</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Itemsthatmaybereclassifiedtoprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income associated to items that may be reclassfied to profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Itemsthatmaybereclassifiedtoprofitorloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancesfinancialassetsatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Loans and advances Financial Assets At Fair Value Through Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancesfinancialassetsatfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancestobanksheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances to banks classified as held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancestobanksheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancestocentralbanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans outstanding with Central Banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancestocentralbanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancestocentralbanksheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances to central bank classified as held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancestocentralbanksheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancestocustomersatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made, at fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancestocustomersatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancestocustomersheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancestocustomersheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances to customers classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss. Financial assets non held for trading</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to the income tax of cash flow hedges.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will not be reclassified to income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to cash flow hedges. Exchange differences on translation</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income associated to remeasurement of defined benefit obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to cash flow hedges. Investments in foreign operations</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxofhedginginstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to equity instruments, available for sale, during the exercise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxofhedginginstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income associated to items that will not be reclassfied to profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherfinancialliabilitiesatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other obligations outstanding, at fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherfinancialliabilitiesatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherfinancialliabilitiesheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other liabilities not disclosed in any of the categories above classified as held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherfinancialliabilitiesheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherlongtermemployeebenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the obligation resulting from other long term benefit program with employees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherlongtermemployeebenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherotherreserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of reserves that have not been classified in any of the categories above. The amount of othes reserves besides those arise from investment in subsidiaries, joint ventures and associates</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherotherreserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Paidupcapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments representing ownership of the Entity that have been completely disbursed.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Paidupcapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Profitlossattributabletoownersofparentshareholdersfunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Profitlossattributabletoownersofparentshareholdersfunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Provisionscommitmentsandguaranteesgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions asociated to commitments and guarantees given. The amount of provisions to cover contingent risk and commitments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Provisionscommitmentsandguaranteesgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Reservesoraccumulatedlossesofinvestmentsinsubsidariesjointventuresandassociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of reserves or accumulated losses arise from investments in subsidiaries, joint ventures and associates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Reservesoraccumulatedlossesofinvestmentsinsubsidariesjointventuresandassociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Restnoncontrollinginterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of non controlling interests gross of valuation adjustments. The amount of the non controlling interest besides the valuation adjustments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Restnoncontrollinginterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Restotherassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are not disclosed in any other categories aboves. The amount of other assets besides insurance contracts and inventories</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Restotherassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Shareholdersfunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of interim dividends paid</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Shareholdersfunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will may be reclassified to profit or loss associated to joint ventures accounted for using the equity method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will not be reclassified to profit or loss associated to joint ventures accounted for using the equity method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Shortpositionsfinancialliabilitiesheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of short positions of financial liabilities held for trading. [Refer: Financial liabilities; Financial liabilities at fair value through profit or loss, classified as held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Shortpositionsfinancialliabilitiesheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Subtotaldebtinstrumentsatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt instruments clasified as financial assets at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Subtotaldebtinstrumentsatfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Subtotalequityinstrumentsatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments clasified as financial assets at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Subtotalequityinstrumentsatfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tangibleassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that: (a) are held for use in the production or supply of goods or services, for rental to others, or for administrative purposes; and (b) are expected to be used during more than one period. (c )The amount of property (land or a building - or part of a building - or both) held (by the owner or by the lessee under a finance lease) to earn rentals or for capital appreciation or both</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tangibleassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Taxassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets recognized in the balance that is the sume of Deferred tax assets and current tax assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Taxassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Taxliabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities recognized in the balance that is the sume of Deferred tax liabilities and current tax liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Taxliabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totaltangibleassetforownuse">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that: (a) are held for use in the production or supply of goods or services, for rental to others, or for administrative purposes; and (b) are expected to be used during more than one period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totaltangibleassetforownuse</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Unpaidcapitalwhichhasbeencalledup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments representing ownership of the Entity that have not been completely disbursed but for which complete disbursment has been called.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Unpaidcapitalwhichhasbeencalledup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Valuationadjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the valuation adjustments applied to the minority interest (non-controlling interest)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Valuationadjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as an asset. [Refer: Hedged items [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as a liability. [Refer: Hedged items [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated items of income and expense (including reclassification adjustments) that are not recognised in profit or loss as required or permitted by other IFRSs. [Refer: IFRSs [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expiry date 2020-01-01: The amount of resources: (a) controlled by the entity as a result of past events; and (b) from which future economic benefits are expected to flow to the entity.
Effective 2020-01-01: The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets under insurance contracts and reinsurance contracts issued. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph IG20<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_IG20_b&amp;doctype=Implementation%20Guidance&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_55&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsUnderInsuranceContractsAndReinsuranceContractsIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 45<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The excess of amount paid for current tax in respect of current and prior periods over the amount due for those periods. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of current tax for current and prior periods to the extent unpaid. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of instruments issued by the entity that represent indebtedness.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes recoverable in future periods in respect of: (a) deductible temporary differences; (b) the carryforward of unused tax losses; and (c) the carryforward of unused tax credits. [Refer: Temporary differences [member]; Unused tax credits [member]; Unused tax losses [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 56<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes payable in future periods in respect of taxable temporary differences. [Refer: Temporary differences [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 56<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from banks held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from customers held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for hedging. [Refer: Derivative financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for trading. [Refer: Derivative financial assets; Financial assets at fair value through profit or loss, classified as held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for hedging. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for trading. [Refer: Derivative financial liabilities; Financial liabilities at fair value through profit or loss that meet definition of held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityAndLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the entity's equity and liabilities. [Refer: Equity; Liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityAndLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EquityAndLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EquityAndLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at amortised cost. The amortised cost is the amount at which financial assets are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount, and adjusted for any impairment. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_f&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets that are measured at fair value and for which gains (losses) are recognised in profit or loss. A financial asset shall be measured at fair value through profit or loss unless it is measured at amortised cost or at fair value through other comprehensive income. A gain (loss) on a financial asset measured at fair value shall be recognised in profit or loss unless it is part of a hedging relationship, it is an investment in an equity instrument for which the entity has elected to present gains and losses in other comprehensive income or it is a financial asset measured at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_8_a&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_8_f&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that meet either of the following conditions: (a) they meet the definition of held for trading; or (b) upon initial recognition they are designated by the entity as at fair value through profit or loss. An entity may use this designation only when permitted by paragraph 4.3.5 of IFRS 9 (embedded derivatives) or when doing so results in more relevant information, because either: (a) it eliminates or significantly reduces a measurement or recognition inconsistency (sometimes referred to as &#8216;an accounting mismatch&#8217;) that would otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases; or (b) a group of financial liabilities or financial assets and financial liabilities is managed and its performance is 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&#8217;s key management personnel (as defined in IAS 24). [Refer: At fair value [member]; Key management personnel of entity or parent [member]; Derivatives [member]; Financial assets; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognised. [Refer: Business combinations [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2019-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B67_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 134<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_134_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 135<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_135_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsAndGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of intangible assets and goodwill held by the entity. [Refer: Goodwill; Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsAndGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of identifiable non-monetary assets without physical substance. This amount does not include goodwill. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2019-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Inventories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of current inventories. [Refer: Inventories]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 2<br> -IssueDate 2019-01-01<br> -Paragraph 36<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=2&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_36_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph g<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_g&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 68<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Inventories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentProperty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of property (land or a building - or part of a building - or both) held (by the owner or by the lessee as a right-of-use asset) to earn rentals or for capital appreciation or both, rather than for: (a) use in the production or supply of goods or services or for administrative purposes; or (b) sale in the ordinary course of business.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 40<br> -IssueDate 2019-01-01<br> -Paragraph 76<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=40&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_76&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 40<br> -IssueDate 2019-01-01<br> -Paragraph 79<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=40&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_79_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentProperty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in associates in an entity's separate financial statements. [Refer: Associates [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInJointVentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in joint ventures in an entity's separate financial statements. [Refer: Joint ventures [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInJointVentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in subsidiaries, joint ventures and associates in an entity's separate financial statements. [Refer: Associates [member]; Joint ventures [member]; Subsidiaries [member]; Investments in subsidiaries]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The nominal value of capital issued.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LegalProceedingsProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of provision for legal proceedings. [Refer: Other provisions]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2019-01-01<br> -Section Example 10 A court case<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2019-en-r&amp;doctype=Illustrative%20Examples&amp;dita_xref=IAS37_IE_C_ex10_TI<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2019-01-01<br> -Paragraph 87<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_87&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LegalProceedingsProvision</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expiry date 2020-01-01: The amount of present obligations of the entity arising from past events, the settlement of which is expected to result in an outflow from the entity of resources embodying economic benefits.
Effective 2020-01-01: The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities under insurance contracts and reinsurance contracts issued. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_e&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph IG20<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_IG20_a&amp;doctype=Implementation%20Guidance&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph IG37<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_IG37_a&amp;doctype=Implementation%20Guidance&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_55&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesArisingFromInsuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesDueToCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities due to central banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesDueToCentralBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities included in disposal groups classified as held for sale. [Refer: Liabilities; Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2019-01-01<br> -Paragraph 38<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph p<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_p&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to customers.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity in a subsidiary not attributable, directly or indirectly, to a parent. [Refer: Subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 12<br> -Subparagraph f<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_12_f&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph q<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_q&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 10<br> -IssueDate 2019-01-01<br> -Paragraph 22<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=10&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_22&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of non-current assets or disposal groups classified as held for sale. [Refer: Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2019-01-01<br> -Paragraph 38<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherEquityInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity interest of an entity without share capital that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherEquityInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that the entity does not separately disclose in the same statement or note. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions other than provisions for employee benefits. [Refer: Provisions]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2019-01-01<br> -Paragraph 84<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_84_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing reserves within equity, not including retained earnings. [Refer: Retained earnings]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of tangible assets that: (a) are held for use in the production or supply of goods or services, for rental to others, or for administrative purposes; and (b) are expected to be used during more than one period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2019-01-01<br> -Paragraph 73<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_73_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProvisionsForEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions for employee benefits. [Refer: Employee benefits expense; Provisions]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProvisionsForEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RetainedEarnings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the entity's cumulative undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph IG6<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RetainedEarnings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevaluationSurplus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A component of equity representing the accumulated revaluation surplus on the revaluation of assets recognised in other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2019-01-01<br> -Paragraph 85<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 16<br> -IssueDate 2019-01-01<br> -Paragraph 39<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=16&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevaluationSurplus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SharePremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount received or receivable from the issuance of the entity's shares in excess of nominal value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SharePremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>An entity&#8217;s own equity instruments, held by the entity or other members of the consolidated group.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2019-01-01<br> -Paragraph 34<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_34&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176802504">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Financial Statements - Balance sheets (Parenthetical) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Memorandumitemoffbalancesheetexposuresabstract', window );"><strong>MEMORANDUM ITEM (OFF-BALANCE SHEET EXPOSURES)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="nump">&#8364; 134,494,000,000<span></span>
</td>
<td class="nump">&#8364; 130,923,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="nump">10,989,000,000<span></span>
</td>
<td class="nump">10,984,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Contingentcommitments', window );">Contingent Commitments</a></td>
<td class="nump">&#8364; 38,563,000,000<span></span>
</td>
<td class="nump">&#8364; 39,209,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Contingentcommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of contractual undiscounted cash flows for gross commitments to receive a loan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Contingentcommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialguaranteesgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial guarantees given by the Entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialguaranteesgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loancommitmentsgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loan commitments given by the Entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loancommitmentsgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Memorandumitemoffbalancesheetexposuresabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Memorandumitemoffbalancesheetexposuresabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176232408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Financial Statements - Consolidated Income Statements - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncomeStatementAbstract', window );"><strong>Income Statement Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Interest Income (Income Statement)</a></td>
<td class="nump">&#8364; 13,228,000,000<span></span>
</td>
<td class="nump">&#8364; 15,633,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InterestExpense', window );">Interest Expenses</a></td>
<td class="num">(4,574,000,000)<span></span>
</td>
<td class="num">(6,691,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InterestRevenueExpense', window );">NET INTEREST INCOME</a></td>
<td class="nump">8,653,000,000<span></span>
</td>
<td class="nump">8,941,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">77,000,000<span></span>
</td>
<td class="nump">103,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod', window );">investments in entities accounted for using the equity method</a></td>
<td class="num">(17,000,000)<span></span>
</td>
<td class="num">(19,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncome', window );">Fee And commission income (Income Statement)</a></td>
<td class="nump">3,325,000,000<span></span>
</td>
<td class="nump">3,661,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionExpense', window );">Fee and commission expense (Income Statement)</a></td>
<td class="num">(1,024,000,000)<span></span>
</td>
<td class="num">(1,191,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet', window );">Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss net ( Income Statement)</a></td>
<td class="nump">229,000,000<span></span>
</td>
<td class="nump">67,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonfinancialliabilitiesassetsatfairvaluethroughprofitorlossclassifiedasheldfortrading', window );">Gains or losses on financial assets and liabilities held for trading, net (Income Statement)</a></td>
<td class="nump">187,000,000<span></span>
</td>
<td class="nump">173,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonfinancialassetsnotdesignatedasheldforsalethroughprofitorlossmandatorilymeasuredatfairvalue', window );">Gains Losses On Financial Assets Not Designated As Held For Sale Through Profit Or Loss Mandatorily Measured At Fair Value</a></td>
<td class="nump">129,000,000<span></span>
</td>
<td class="nump">98,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonfinancialassetsliabilitiesatfairvaluethroughprofitorloss', window );">Gains or losses on financial assets and liabilities designated at fair value through profit or loss net (Income Statement)</a></td>
<td class="nump">205,000,000<span></span>
</td>
<td class="num">(3,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainsLossesOnHedgingInstrument', window );">Gains or losses from hedge accounting net (Income Statement)</a></td>
<td class="nump">41,000,000<span></span>
</td>
<td class="nump">73,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Exchange differences (Income Statement)</a></td>
<td class="nump">316,000,000<span></span>
</td>
<td class="nump">134,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherOperatingIncome', window );">Other operating income (Income Statement)</a></td>
<td class="nump">230,000,000<span></span>
</td>
<td class="nump">337,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otheroperatingexpense', window );">Other operating expenses (Income Statement)</a></td>
<td class="num">(848,000,000)<span></span>
</td>
<td class="num">(995,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncomeArisingFromInsuranceContracts', window );">Income on insurance and reinsurance contracts (Income Statement)</a></td>
<td class="nump">1,307,000,000<span></span>
</td>
<td class="nump">1,547,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ExpenseArisingFromInsuranceContracts', window );">Expenses on insurance and reinsurance contracts (Income Statement)</a></td>
<td class="num">(765,000,000)<span></span>
</td>
<td class="num">(983,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">12,045,000,000<span></span>
</td>
<td class="nump">11,944,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Administrationcost', window );">Administration Cost</a></td>
<td class="num">(4,746,000,000)<span></span>
</td>
<td class="num">(5,084,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployeeBenefitsExpense', window );">Employee Benefits Expense</a></td>
<td class="num">(2,875,000,000)<span></span>
</td>
<td class="num">(3,131,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdministrativeExpense', window );">Administrative Expense</a></td>
<td class="num">(1,872,000,000)<span></span>
</td>
<td class="num">(1,953,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepreciationAndAmortisationExpense', window );">Total depreciation expense</a></td>
<td class="num">(766,000,000)<span></span>
</td>
<td class="num">(790,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalprovisionsorreversalofprovisions', window );">Provisions or reversal of provisions</a></td>
<td class="num">(541,000,000)<span></span>
</td>
<td class="num">(261,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossOnFinancialAssets', window );">Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Income Statement)</a></td>
<td class="num">(4,146,000,000)<span></span>
</td>
<td class="num">(1,731,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsmeasuredatamortizedcostimpairmentorreversalofimpairment', window );">Financial assets measured at amortized cost, impairment or reversal of impairment</a></td>
<td class="num">(4,075,000,000)<span></span>
</td>
<td class="num">(1,727,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsfairvaluethroughothercomprehensiveincome', window );">Financial Assets Fair Value Through Other Comprehensive Income</a></td>
<td class="num">(71,000,000)<span></span>
</td>
<td class="num">(5,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossFromOperatingActivities', window );">NET OPERATING INCOME</a></td>
<td class="nump">1,846,000,000<span></span>
</td>
<td class="nump">4,077,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentorreversalofimpairmentinvestmentsinsubsidiariesjointventuresandassociates', window );">Impairment Or Reversal Of Impairment Investments In Subsidiaries Joint Ventures And Associates</a></td>
<td class="num">(60,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentorreversalofimpairmentonnonfinancialassets', window );">Impairment Or Reversal Of Impairment On Non Financial Assets</a></td>
<td class="num">(2,149,000,000)<span></span>
</td>
<td class="num">(44,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmenttangibleassets', window );">Tangible assets, impairment or reversal of impairment</a></td>
<td class="num">(62,000,000)<span></span>
</td>
<td class="num">(30,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentintangibleassets', window );">Intangible assets, impairment or reversal of impairment</a></td>
<td class="num">(2,087,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentothernonfinancialassets', window );">Other non-financial assets, impairment or reversal of impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(13,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsondisposalsoftangibleassetsandother', window );">Disposal of tangible assets and other, gains</a></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">8,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Negativegoodwillrecognisedonprofitandloss', window );">Negative GoodWill Recognised On Profit And Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations1', window );">Profit or loss from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Income Statement)</a></td>
<td class="num">(9,000,000)<span></span>
</td>
<td class="nump">11,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="num">(368,000,000)<span></span>
</td>
<td class="nump">4,052,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncomeTaxExpenseContinuingOperations', window );">Tax expense or income related to profit or loss from continuing operation (Income Statement)</a></td>
<td class="num">(455,000,000)<span></span>
</td>
<td class="num">(1,136,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossFromContinuingOperations', window );">PROFIT FROM CONTINUING OPERATIONS</a></td>
<td class="num">(823,000,000)<span></span>
</td>
<td class="nump">2,916,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossFromDiscontinuedOperations', window );">Profit from discontinued operations net (Income Statement)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit</a></td>
<td class="num">(823,000,000)<span></span>
</td>
<td class="nump">2,916,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Atributabletoownersoftheparent', window );">Attributable to owners of the parent</a></td>
<td class="nump">333,000,000<span></span>
</td>
<td class="nump">475,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="num">&#8364; (1,157,000,000)<span></span>
</td>
<td class="nump">&#8364; 2,442,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShare', window );">Basic Earnings Loss Per Share</a></td>
<td class="num">&#8364; (0.2)<span></span>
</td>
<td class="nump">&#8364; 0.34<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations', window );">Basic Earnings Loss Per Share From Continuing Operations</a></td>
<td class="num">(0.2)<span></span>
</td>
<td class="nump">0.34<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations', window );">Diluted Earnings Loss Per Share From Continuing Operations</a></td>
<td class="num">(0.2)<span></span>
</td>
<td class="nump">0.34<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations', window );">Basic Earnings Loss Per Share From Discontinued Operations</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations', window );">Diluted Earnings Loss Per Share From Discontinued Operations</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Administrationcost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains (losses) associated to administrative expenses and employee benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Administrationcost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Atributabletoownersoftheparent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the profit attributable to owners of the parent</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Atributabletoownersoftheparent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialassetsfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Financial Assets Fair Value Through Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialassetsfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialassetsmeasuredatamortizedcostimpairmentorreversalofimpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of impairment losses, at amortized cost, on assets measured at cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialassetsmeasuredatamortizedcostimpairmentorreversalofimpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainslossesonfinancialassetsliabilitiesatfairvaluethroughprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains or losses on financial assets (liabilities) classified at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainslossesonfinancialassetsliabilitiesatfairvaluethroughprofitorloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainslossesonfinancialassetsnotdesignatedasheldforsalethroughprofitorlossmandatorilymeasuredatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains (losses) on financial assets not designated as held for sale through profit or loss, mandatorily measured at fair value</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainslossesonfinancialassetsnotdesignatedasheldforsalethroughprofitorlossmandatorilymeasuredatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainslossesonfinancialliabilitiesassetsatfairvaluethroughprofitorlossclassifiedasheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains or losses on financial assets (liabilities) classified as held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainslossesonfinancialliabilitiesassetsatfairvaluethroughprofitorlossclassifiedasheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsondisposalsoftangibleassetsandother">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains obtained in the disposal of tangible assets and other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainsondisposalsoftangibleassetsandother</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains and losses arising fron derecognition of financial assets and liabilities not measured at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentintangibleassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of impairment losses on intangible assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentintangibleassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentorreversalofimpairmentinvestmentsinsubsidiariesjointventuresandassociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment (reversal of impairment) associated to investments in subsidiaries, joint ventures and associated.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentorreversalofimpairmentinvestmentsinsubsidiariesjointventuresandassociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentorreversalofimpairmentonnonfinancialassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment (reversal of impairment) associated to non financial assets. The amount of impairment or reversal of impairment which arise from non financial assets, as tangible assets, intangible assets and other non financial assets</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentorreversalofimpairmentonnonfinancialassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentothernonfinancialassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The decrease or increase in the gross value of the assets obtained by taking possession of collaterall or calling on other credit enhancements of distressed customers due to other activities not disclosed in the categories before.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentothernonfinancialassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmenttangibleassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of impairment losses on tangible assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmenttangibleassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Negativegoodwillrecognisedonprofitandloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of negative goodwill recognized in profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Negativegoodwillrecognisedonprofitandloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherOperatingIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income related to other sources of operating actvities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otheroperatingexpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses related to other sources of operating actvities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otheroperatingexpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains (losses) arising from non-current assets and disposal groups classifed as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalprovisionsorreversalofprovisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of expenses associated to provisions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalprovisionsorreversalofprovisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdministrativeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses that the entity classifies as being administrative.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2019-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause vi<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35_b_vi&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 103<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 99<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdministrativeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of profit (loss) attributable to ordinary equity holders of the parent entity (the numerator) divided by the weighted average number of ordinary shares outstanding during the period (the denominator).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2019-01-01<br> -Paragraph 66<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShareFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Basic earnings (loss) per share from continuing operations. [Refer: Basic earnings (loss) per share; Continuing operations [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2019-01-01<br> -Paragraph 66<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShareFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Basic earnings (loss) per share from discontinued operations. [Refer: Basic earnings (loss) per share; Discontinued operations [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2019-01-01<br> -Paragraph 68<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BasicEarningsLossPerShareFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepreciationAndAmortisationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of depreciation and amortisation expense. Depreciation and amortisation are the systematic allocations of depreciable amounts of assets over their useful lives.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B13<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B13_d&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 99<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 104<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepreciationAndAmortisationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Diluted earnings (loss) per share from continuing operations. [Refer: Continuing operations [member]; Diluted earnings (loss) per share]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2019-01-01<br> -Paragraph 66<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_66&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsLossPerShareFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Diluted earnings (loss) per share from discontinued operations. [Refer: Diluted earnings (loss) per share; Discontinued operations [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 33<br> -IssueDate 2019-01-01<br> -Paragraph 68<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=33&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DilutedEarningsLossPerShareFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EmployeeBenefitsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The expense of all forms of consideration given by an entity in exchange for a service rendered by employees or for the termination of employment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 99<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 104<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EmployeeBenefitsExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExpenseArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from insurance contracts. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExpenseArisingFromInsuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense relating to fees and commissions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 85<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income relating to fees and commissions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 85<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of exchange differences recognised in profit or loss that arise from foreign currency transactions, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: At fair value [member]; Financial instruments, class [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Section A Statement of cash flows for an entity other than a financial institution<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;doctype=Illustrative%20Examples&amp;dita_xref=IAS07_IE_A_TI<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2019-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnHedgingInstrument">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) on hedging instruments in fair value hedges. [Refer: Fair value hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_24_a_i&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnHedgingInstrument</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of revenue less cost of sales. [Refer: Cost of sales; Revenue]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 103<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossOnFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss on financial assets. [Refer: Financial assets; Impairment loss]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_20_e&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossOnFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from insurance contracts. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeArisingFromInsuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeStatementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeStatementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxExpenseContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount included in the determination of profit (loss) for the period in respect of current tax and deferred tax. [Refer: Current tax expense (income); Deferred tax expense (income)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2019-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause viii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35_b_viii&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph h<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23_h&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 79<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_79&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81_c_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 82<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_82_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 81<br> -Subparagraph c<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81_c_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B13<br> -Subparagraph g<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B13_g&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxExpenseContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B13<br> -Subparagraph f<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B13_f&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestRevenueExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income or expense arising from interest. [Refer: Interest expense; Interest income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 85<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestRevenueExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 18<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 39L<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_39L_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2021-01-01<br> -Name IFRS<br> -Number 17<br> -IssueDate 2019-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) before tax expense or income. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 103<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2019-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromContinuingOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing operations. [Refer: Continuing operations [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vi<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B12_b_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromContinuingOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from discontinued operations. [Refer: Discontinued operations [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2019-01-01<br> -Paragraph 33<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_33_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause vii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B12_b_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 82<br> -Subparagraph ea<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_82_ea&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 98<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_98_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossFromOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from operating activities of the entity. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 32<br> -IssueDate 2019-01-01<br> -Paragraph IE33<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=32&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_IE33&amp;doctype=Illustrative%20Examples<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 85<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossFromOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends recognised as income. Dividends are distributions of profits to holders of equity investments in proportion to their holdings of a particular class of capital.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B13<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entity's share of the profit (loss) of associates and joint ventures accounted for using the equity method. [Refer: Associates [member]; Investments accounted for using equity method; Joint ventures [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph g<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23_g&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 39M<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_39M_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 82<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_82_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664173558376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Financial Statements - Statements of recognized income and expenses - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_StatementOfComprehensiveIncomeAbstract', window );"><strong>Consolidated statements of recognized income and expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit</a></td>
<td class="num">&#8364; (823,000,000)<span></span>
</td>
<td class="nump">&#8364; 2,916,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncome', window );">OTHER RECOGNIZED INCOME (EXPENSES)</a></td>
<td class="num">(3,173,000,000)<span></span>
</td>
<td class="nump">95,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax', window );">Items that will not be reclassified to profit or loss</a></td>
<td class="num">(375,000,000)<span></span>
</td>
<td class="num">(242,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Actuarialgainsandlossesfromdefinedbenefitpensionplans', window );">Actuarial gains and losses from defined benefit pension plans</a></td>
<td class="nump">167,000,000<span></span>
</td>
<td class="num">(208,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncurrentassestsavailableforsale', window );">Non-current assests available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax', window );">Share of other comprehensive income of associates and joint ventures accounted for using equity method that will not be reclassifies to profit or loss before tax</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedasmeasuredfairvaluethroughothercomprehensiveincome', window );">Fair Value Of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income</a></td>
<td class="num">(560,000,000)<span></span>
</td>
<td class="nump">4,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesincreditrisk', window );">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in credit risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss', window );">Income tax related to items not subject to reclassification to income statement</a></td>
<td class="nump">62,000,000<span></span>
</td>
<td class="num">(130,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedatfairvaluethroughothercomprehensiveincome', window );">Fair value of investments in equity instruments designated at fair value through other comprehensive income</a></td>
<td class="num">(44,000,000)<span></span>
</td>
<td class="nump">92,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax', window );">Items that may be reclassified to profit or loss</a></td>
<td class="num">(2,798,000,000)<span></span>
</td>
<td class="nump">337,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations', window );">Hedge of net investments in foreign operations [effective portion]</a></td>
<td class="nump">573,000,000<span></span>
</td>
<td class="num">(327,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax', window );">Hedge of net investments in foreign operations [effective portion] - Valuation gains or losses taken to equity</a></td>
<td class="nump">573,000,000<span></span>
</td>
<td class="num">(327,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax', window );">Hedge of net investments in foreign operations [effective portion] - Transferred to profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherreclassificationscomprehensiveincomebeforetaxhedgesofnetinvestmentsinforeignoperations', window );">Hedge of net investments in foreign operations [effective portion] - Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation', window );">Foreign currency translation</a></td>
<td class="num">(3,835,000,000)<span></span>
</td>
<td class="num">(79,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax', window );">Foreign currency translation - Valuation gains or losses taken to equity</a></td>
<td class="num">(3,836,000,000)<span></span>
</td>
<td class="num">(79,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax', window );">Foreign currency translation - Transferred to profit or loss</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherreclassificationscomprehensiveincomebeforetaxexchangedifferencesontranslation', window );">Foreign currency translation - Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges', window );">Cash Flow Hedges [effective portion]</a></td>
<td class="nump">484,000,000<span></span>
</td>
<td class="nump">57,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax', window );">Cash Flow Hedges [effective portion] - Valuation gains or losses taken to equity</a></td>
<td class="nump">484,000,000<span></span>
</td>
<td class="nump">75,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax', window );">Cash Flow Hedges [effective portion] - Transferred to profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(18,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AmountsRemovedFromEquityAndIncludedInCarryingAmountOfNonfinancialAssetLiabilityWhoseAcquisitionOrIncurrenceWasHedgedHighlyProbableForecastTransactionBeforeTax', window );">Cash Flow Hedges [effective portion] - Transferred to initial carrying amout of hedged items</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherreclasificationcomprehensiveincomebeforetaxcashflowhedges', window );">Cash Flow Hedges [effective portion] - Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtSecuritiesAtFairValueThroughtOtherComprehensiveIncome', window );">Total Debt Securities At Fair Value Throught Other Comprehensive Income</a></td>
<td class="nump">130,000,000<span></span>
</td>
<td class="nump">975,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuationGainsOrLossesTakenToEquityDebtsecuritiesatfairvaluethroughtothercomprehensiveincome', window );">Valuation gains or losses taken to equity - Debt Securities At Fair Value Throught Other Comprehensive Income</a></td>
<td class="nump">210,000,000<span></span>
</td>
<td class="nump">997,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome', window );">Transferred to profit or loss - Debt Securities At Fair Value Throught Other Comprehensive Income</a></td>
<td class="num">(79,000,000)<span></span>
</td>
<td class="num">(23,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherReclassificationsdebtsecuritiesatfairvaluethroughtothercomprehensiveincome', window );">Other reclassifications - Debt Securities At Fair Value Throught Other Comprehensive Income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomebeforetaxnoncurrentassetsheldforsale', window );">Non-current assets held for sale</a></td>
<td class="num">(9,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonnoncurrentassetsheldforsale', window );">Non-current assets held for sale - Valuation gains or losses taken to equity</a></td>
<td class="num">(9,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Reclassificationadjustmentsonnoncurrentassetsheldforsale', window );">Non-current assets held for sale - Transferred to profit or loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherreclassificationscomprehensiveincomebeforetaxnoncurrentassetsheldforsale', window );">Non-current assets held for sale - Other reclassifications</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax', window );">Share of other recognised income and expense of investments in subsidaries, joint ventures and associates</a></td>
<td class="num">(14,000,000)<span></span>
</td>
<td class="nump">6,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss', window );">Income Tax</a></td>
<td class="num">(127,000,000)<span></span>
</td>
<td class="num">(293,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">TOTAL RECOGNIZED INCOME/EXPENSES</a></td>
<td class="num">(3,996,000,000)<span></span>
</td>
<td class="nump">3,011,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests', window );">Attributable to minority interest [non-controlling interests]</a></td>
<td class="num">(243,000,000)<span></span>
</td>
<td class="nump">213,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent', window );">Attributable to the parent company</a></td>
<td class="num">&#8364; (3,753,000,000)<span></span>
</td>
<td class="nump">&#8364; 2,798,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Actuarialgainsandlossesfromdefinedbenefitpensionplans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to acturial gains and losses form defined benefit plans. The amount of the items not subjet to reclassification to income statement corresponding to actuarial gains and losses from defined benefit pension plans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Actuarialgainsandlossesfromdefinedbenefitpensionplans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DebtSecuritiesAtFairValueThroughtOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt securities at fair value throught other comprehensive income. Items subject to reclassification to income statement</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtSecuritiesAtFairValueThroughtOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesincreditrisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the items not subjet to reclassification to income statement corresponding to the fair value changes of financial liabilities at fair value throght profit or loss attributable to changes in their credit risk</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesincreditrisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedasmeasuredfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the items not subjet to reclassification to income statement corresponding to the fair value changes of equity instruments measured at fair value throught other comprehensive income, net</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedasmeasuredfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fairvalueofinvestmentsinequityinstrumentsdesignatedatfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainslossesonnoncurrentassetsheldforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to non-current assets classified as held for sale trasnferred to accumulated comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainslossesonnoncurrentassetsheldforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Noncurrentassestsavailableforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income that will not be reclassfied to income statement associated to non-current assets available for sale. The amount of the items not subjet to reclassification to income statement corresponding to non-current assets and disposal groups held for sale</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Noncurrentassestsavailableforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherReclassificationsdebtsecuritiesatfairvaluethroughtothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income that may be reclassfied to income statement associated to other reclassifications on available for sale financial assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherReclassificationsdebtsecuritiesatfairvaluethroughtothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomebeforetaxnoncurrentassetsheldforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income that may be reclassfied to income statament associated to non-current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomebeforetaxnoncurrentassetsheldforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherreclasificationcomprehensiveincomebeforetaxcashflowhedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income that may be reclassfied to income statement associated to other reclassifications on cash flow hedges. The amount of other reclasifications corresponding to cash flow hedges. Items subject to reclassification to income statement</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherreclasificationcomprehensiveincomebeforetaxcashflowhedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherreclassificationscomprehensiveincomebeforetaxexchangedifferencesontranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income that may be reclassfied to income statement associated to other reclassifications on exchange differences on traslation. The amount of other reclasifications corresponding to foreign currency translation. Items subject to reclassification to income statement</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherreclassificationscomprehensiveincomebeforetaxexchangedifferencesontranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherreclassificationscomprehensiveincomebeforetaxhedgesofnetinvestmentsinforeignoperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehenvise income that may be reclassfied to income statement associated to other reclassifications on hedges of net investment in foreign operations. The amount of other reclasifications corresponding to hedge of net investments in foreign operations. Items subject to reclassification to income statement</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherreclassificationscomprehensiveincomebeforetaxhedgesofnetinvestmentsinforeignoperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherreclassificationscomprehensiveincomebeforetaxnoncurrentassetsheldforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income that may be reclassfied to income statement associated to other reclassifications on non-current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherreclassificationscomprehensiveincomebeforetaxnoncurrentassetsheldforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Reclassificationadjustmentsonnoncurrentassetsheldforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income that has been reclassified to income statament associated to non-current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Reclassificationadjustmentsonnoncurrentassetsheldforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Transferred to profit or loss corresponding to Debt Securities At Fair Value Throught Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TransferredToProfitOrLossDebtsecuritiesatfairvaluethroughtothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ValuationGainsOrLossesTakenToEquityDebtsecuritiesatfairvaluethroughtothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Valuation gains or losses taken to equity, corresponding to Debt Securities At Fair Value Throught Other Comprehensive Income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ValuationGainsOrLossesTakenToEquityDebtsecuritiesatfairvaluethroughtothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AmountsRemovedFromEquityAndIncludedInCarryingAmountOfNonfinancialAssetLiabilityWhoseAcquisitionOrIncurrenceWasHedgedHighlyProbableForecastTransactionBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amounts removed from equity and included in the initial cost or other carrying amount of a non-financial asset (liability) whose acquisition or incurrence was a hedged, highly probable forecast transaction, before tax. [Refer: Carrying amount [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_23_e&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AmountsRemovedFromEquityAndIncludedInCarryingAmountOfNonfinancialAssetLiabilityWhoseAcquisitionOrIncurrenceWasHedgedHighlyProbableForecastTransactionBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events, other than those changes resulting from transactions with owners in their capacity as owners.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ix<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81A<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income attributable to non-controlling interests. [Refer: Comprehensive income; Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81B<br> -Subparagraph b<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81B_b_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncomeAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income attributable to owners of the parent. [Refer: Comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81B<br> -Subparagraph b<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81B_b_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncomeAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on cash flow hedges, before tax. [Refer: Cash flow hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_23_c&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnCashFlowHedgesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on exchange differences on the translation of financial statements of foreign operations, before tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) recognised in other comprehensive income on hedges of net investments in foreign operations, before tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2019-01-01<br> -Paragraph 6.5.13<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will be reclassified to profit or loss. [Refer: Income tax relating to components of other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax relating to amounts recognised in other comprehensive income that will not be reclassified to profit or loss. [Refer: Income tax relating to components of other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income and expense (including reclassification adjustments) that is not recognised in profit or loss as required or permitted by IFRSs. [Refer: IFRSs [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause viii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B12_b_viii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81A<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81A_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to cash flow hedges. [Refer: Cash flow hedges [member]; Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 7<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxCashFlowHedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to exchange differences on translation of financial statements of foreign operations. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 7<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_7&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxExchangeDifferencesOnTranslation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income, before tax, related to hedges of net investments in foreign operations. [Refer: Other comprehensive income, before tax]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 91<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_91_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2019-01-01<br> -Paragraph 6.5.13<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_6.5.13_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeBeforeTaxHedgesOfNetInvestmentsInForeignOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income that will be reclassified to profit or loss, net of tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph IG6<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 82A<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</tr>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income that will not be reclassified to profit or loss, net of tax. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph IG6<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_IG6&amp;doctype=Implementation%20Guidance<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 82A<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 18<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 39L<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_39L_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2021-01-01<br> -Name IFRS<br> -Number 17<br> -IssueDate 2019-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to cash flow hedges, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Cash flow hedges [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 92<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_23_d&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to exchange differences when the financial statements of foreign operations are translated, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2019-01-01<br> -Paragraph 48<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_48&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 92<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationBeforeTax</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of reclassification adjustments related to hedges of net investments in foreign operations, before tax. Reclassification adjustments are amounts reclassified to profit (loss) in the current period that were recognised in other comprehensive income in the current or previous periods. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 92<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_92&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 39<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=39&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 9<br> -IssueDate 2019-01-01<br> -Paragraph 6.5.14<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=9&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_6.5.14&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Share of the other comprehensive income of associates and joint ventures accounted for using the equity method that will be reclassified to profit or loss, net of tax.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 82A<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillBeReclassifiedToProfitOrLossNetOfTax</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Share of the other comprehensive income of associates and joint ventures accounted for using the equity method that will not be reclassified to profit or loss, before tax.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 82A<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_82A&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfOtherComprehensiveIncomeOfAssociatesAndJointVenturesAccountedForUsingEquityMethodThatWillNotBeReclassifiedToProfitOrLossBeforeTax</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Financial Statements - Statements of changes in equity - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Total</div></th>
<th class="th"><div>Capital</div></th>
<th class="th"><div>Share premium (*)</div></th>
<th class="th"><div>Equity instruments issued other than capital</div></th>
<th class="th"><div>Other Equity</div></th>
<th class="th"><div>Retained earnings</div></th>
<th class="th"><div>Revaluation reserves</div></th>
<th class="th"><div>Other reserves</div></th>
<th class="th"><div>Treasury shares [Member]</div></th>
<th class="th"><div>Profit or loss attributable to owners of the parent Member</div></th>
<th class="th"><div>Interim dividends Member</div></th>
<th class="th"><div>Accumulated other Comprehensive Income [Member]</div></th>
<th class="th"><div>Non-Controlling interests- Valuation Adjustments</div></th>
<th class="th"><div>Non-Controlling interests- Rest</div></th>
<th class="th"><div>Total</div></th>
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<tr class="rc">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Equity', window );">Balance at beginning at Dec. 31, 2018</a></td>
<td class="text">&#160;<span></span>
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<td class="nump">&#8364; 3,267,000,000<span></span>
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<td class="nump">&#8364; 23,992,000,000<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 50,000,000<span></span>
</td>
<td class="nump">&#8364; 23,017,000,000<span></span>
</td>
<td class="nump">&#8364; 3,000,000<span></span>
</td>
<td class="num">&#8364; (57,000,000)<span></span>
</td>
<td class="num">&#8364; (296,000,000)<span></span>
</td>
<td class="nump">&#8364; 5,324,000,000<span></span>
</td>
<td class="num">&#8364; (975,000,000)<span></span>
</td>
<td class="num">&#8364; (7,215,000,000)<span></span>
</td>
<td class="num">&#8364; (3,236,000,000)<span></span>
</td>
<td class="nump">&#8364; 9,000,000,000<span></span>
</td>
<td class="nump">&#8364; 52,874,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Changesequityabstract', window );"><strong>Changes in Equity Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Adjustmentsofaccountingpoliciesapplications', window );">Adjustments Of Accounting Policies Applications</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,267,000,000<span></span>
</td>
<td class="nump">23,992,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">50,000,000<span></span>
</td>
<td class="nump">26,062,000,000<span></span>
</td>
<td class="nump">3,000,000<span></span>
</td>
<td class="num">(37,000,000)<span></span>
</td>
<td class="num">(296,000,000)<span></span>
</td>
<td class="nump">5,400,000,000<span></span>
</td>
<td class="num">(1,109,000,000)<span></span>
</td>
<td class="num">(10,223,000,000)<span></span>
</td>
<td class="num">(5,290,000,000)<span></span>
</td>
<td class="nump">11,054,000,000<span></span>
</td>
<td class="nump">52,874,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Ofwhichretrospectivechangesinaccountingpolicies', window );">Of which retrospective changes in accounting policies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">3,045,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">20,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">76,000,000<span></span>
</td>
<td class="num">(134,000,000)<span></span>
</td>
<td class="num">(3,007,000,000)<span></span>
</td>
<td class="num">(2,054,000,000)<span></span>
</td>
<td class="nump">2,054,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">TOTAL RECOGNIZED INCOME/EXPENSES</a></td>
<td class="nump">&#8364; 3,011,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,442,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">356,000,000<span></span>
</td>
<td class="num">(261,000,000)<span></span>
</td>
<td class="nump">475,000,000<span></span>
</td>
<td class="nump">3,011,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ChangesInEquityAbstract', window );"><strong>Changes in equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalchangesinequity', window );">Total Changes in Equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(7,000,000)<span></span>
</td>
<td class="nump">3,293,000,000<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(40,000,000)<span></span>
</td>
<td class="nump">197,000,000<span></span>
</td>
<td class="num">(5,400,000,000)<span></span>
</td>
<td class="nump">901,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(138,000,000)<span></span>
</td>
<td class="num">(1,196,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IssueOfEquity', window );">Issue Of Equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Issueofpreferredshares', window );">Issuances of preferred shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Issueofotherequityinstruments', window );">Issuance of other equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Periodormaturityoftheirissuedequityinstruments', window );">Period or maturity of other issued equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments', window );">Conversion of debt on equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners', window );">Common Stock reduction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividend distribution</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,060,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(3,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(138,000,000)<span></span>
</td>
<td class="num">(1,201,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_PurchaseOfTreasuryShares', window );">Purchase of treasury shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(591,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(591,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SaleOrIssueOfTreasuryShares', window );">Sale or cancellation of treasury shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">18,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">788,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">806,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Reclassificationoffinancialliabilitiestootherequityinstruments', window );">Reclassification of financial liabilities to other equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Reclassificationofotherequityinstrumentstofinancialliabilities', window );">Reclassification of other equity instruments to financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners', window );">Transfers between total equity entries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">4,329,000,000<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(37,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(5,400,000,000)<span></span>
</td>
<td class="nump">1,109,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Increase/Reduction of equity due to business combinations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions', window );">Share based payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(3,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(3,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Other increases or (-) decreases in equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(4,000,000)<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(208,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(207,000,000)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Equity', window );">Balance at the end at Jun. 30, 2019</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,267,000,000<span></span>
</td>
<td class="nump">23,992,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">43,000,000<span></span>
</td>
<td class="nump">29,356,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
<td class="num">(77,000,000)<span></span>
</td>
<td class="num">(99,000,000)<span></span>
</td>
<td class="nump">2,442,000,000<span></span>
</td>
<td class="num">(208,000,000)<span></span>
</td>
<td class="num">(9,867,000,000)<span></span>
</td>
<td class="num">(5,551,000,000)<span></span>
</td>
<td class="nump">11,390,000,000<span></span>
</td>
<td class="nump">54,690,000,000<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Equity', window );">Balance at beginning at Dec. 31, 2019</a></td>
<td class="nump">54,925,000,000<span></span>
</td>
<td class="nump">3,267,000,000<span></span>
</td>
<td class="nump">23,992,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">56,000,000<span></span>
</td>
<td class="nump">26,402,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(125,000,000)<span></span>
</td>
<td class="num">(62,000,000)<span></span>
</td>
<td class="nump">3,512,000,000<span></span>
</td>
<td class="num">(1,084,000,000)<span></span>
</td>
<td class="num">(7,235,000,000)<span></span>
</td>
<td class="num">(3,526,000,000)<span></span>
</td>
<td class="nump">9,727,000,000<span></span>
</td>
<td class="nump">54,925,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Changesequityabstract', window );"><strong>Changes in Equity Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Adjustmentsofaccountingpoliciesapplications', window );">Adjustments Of Accounting Policies Applications</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,267,000,000<span></span>
</td>
<td class="nump">23,992,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">56,000,000<span></span>
</td>
<td class="nump">29,388,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(119,000,000)<span></span>
</td>
<td class="num">(62,000,000)<span></span>
</td>
<td class="nump">3,512,000,000<span></span>
</td>
<td class="num">(1,084,000,000)<span></span>
</td>
<td class="num">(10,226,000,000)<span></span>
</td>
<td class="num">(5,572,000,000)<span></span>
</td>
<td class="nump">11,773,000,000<span></span>
</td>
<td class="nump">54,925,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Ofwhichretrospectivechangesinaccountingpolicies', window );">Of which retrospective changes in accounting policies</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,985,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">6,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2,992,000,000)<span></span>
</td>
<td class="num">(2,045,000,000)<span></span>
</td>
<td class="nump">2,045,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ComprehensiveIncome', window );">TOTAL RECOGNIZED INCOME/EXPENSES</a></td>
<td class="num">(3,996,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,157,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2,596,000,000)<span></span>
</td>
<td class="num">(577,000,000)<span></span>
</td>
<td class="nump">333,000,000<span></span>
</td>
<td class="num">(3,996,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ChangesInEquityAbstract', window );"><strong>Changes in equity</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalchangesinequity', window );">Total Changes in Equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(19,000,000)<span></span>
</td>
<td class="nump">1,201,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(41,000,000)<span></span>
</td>
<td class="nump">34,000,000<span></span>
</td>
<td class="num">(3,512,000,000)<span></span>
</td>
<td class="nump">1,084,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(122,000,000)<span></span>
</td>
<td class="num">(1,374,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IssueOfEquity', window );">Issue Of Equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Issueofpreferredshares', window );">Issuances of preferred shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Issueofotherequityinstruments', window );">Issuance of other equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Periodormaturityoftheirissuedequityinstruments', window );">Period or maturity of other issued equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments', window );">Conversion of debt on equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners', window );">Common Stock reduction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DividendsPaid', window );">Dividend distribution</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,065,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(122,000,000)<span></span>
</td>
<td class="num">(1,187,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_PurchaseOfTreasuryShares', window );">Purchase of treasury shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(494,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(494,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SaleOrIssueOfTreasuryShares', window );">Sale or cancellation of treasury shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">528,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">526,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Reclassificationoffinancialliabilitiestootherequityinstruments', window );">Reclassification of financial liabilities to other equity instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Reclassificationofotherequityinstrumentstofinancialliabilities', window );">Reclassification of other equity instruments to financial liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners', window );">Transfers between total equity entries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,467,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(39,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(3,512,000,000)<span></span>
</td>
<td class="nump">1,084,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary', window );">Increase/Reduction of equity due to business combinations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions', window );">Share based payments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(21,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(21,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity', window );">Other increases or (-) decreases in equity</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
<td class="num">(198,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(198,000,000)<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Equity', window );">Balance at the end at Jun. 30, 2020</a></td>
<td class="nump">&#8364; 49,555,000,000<span></span>
</td>
<td class="nump">&#8364; 3,267,000,000<span></span>
</td>
<td class="nump">&#8364; 23,992,000,000<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 37,000,000<span></span>
</td>
<td class="nump">&#8364; 30,589,000,000<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="num">&#8364; (160,000,000)<span></span>
</td>
<td class="num">&#8364; (28,000,000)<span></span>
</td>
<td class="num">&#8364; (1,157,000,000)<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="num">&#8364; (12,822,000,000)<span></span>
</td>
<td class="num">&#8364; (6,148,000,000)<span></span>
</td>
<td class="nump">&#8364; 11,984,000,000<span></span>
</td>
<td class="nump">&#8364; 49,555,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Adjustmentsofaccountingpoliciesapplications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Adjustmentsofaccountingpoliciesapplications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Changesequityabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Changesequityabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Issueofotherequityinstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of changes in equity due to the issuance of other equity instruments. The cash inflow from the issuing of other equity instruments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Issueofotherequityinstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Issueofpreferredshares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of changes in equity due to the issuance of preferred shares. The cash inflow from the issuing of preference shares. [Refer: Preference shares [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Issueofpreferredshares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Ofwhichretrospectivechangesinaccountingpolicies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Ofwhichretrospectivechangesinaccountingpolicies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Periodormaturityoftheirissuedequityinstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of changes in equity due to the maturity of issued equity instruments. The amount corresponding to the settlement or maturity of other equity instruments issued</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Periodormaturityoftheirissuedequityinstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Reclassificationoffinancialliabilitiestootherequityinstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of changes in equity due to the reclassification of financial liabilities into equity instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Reclassificationoffinancialliabilitiestootherequityinstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Reclassificationofotherequityinstrumentstofinancialliabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of changes in equity due to the reclassification of financial liabilities into equity instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Reclassificationofotherequityinstrumentstofinancialliabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalchangesinequity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of changes in equity that have occured in the reporting perido. The increase (decrease) in equity. [Refer: Equity]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalchangesinequity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ChangesInEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ChangesInEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of change in equity resulting from transactions and other events, other than those changes resulting from transactions with owners in their capacity as owners.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B12<br> -Subparagraph b<br> -Clause ix<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B12_b_ix&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81A<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81A_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends recognised as distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 107<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_107&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Equity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of residual interest in the assets of the entity after deducting all its liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_32_a_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Equity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from the acquisition of subsidiaries. [Refer: Subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughAcquisitionOfSubsidiary</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from the conversion of convertible instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughConversionOfConvertibleInstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The decrease in equity through distributions to owners that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause iii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughOtherDistributionsToOwners</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from share-based payment transactions. [Refer: Equity]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause iii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughSharebasedPaymentTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from transactions with owners.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransactionsWithOwners</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in equity resulting from changes that the entity does not separately disclose in the same statement or note. [Refer: Equity]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssueOfEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase in equity through the issue of equity instruments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause iii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d_iii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssueOfEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The decrease in equity resulting from the purchase of treasury shares. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfTreasuryShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SaleOrIssueOfTreasuryShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase in equity resulting from the sale or issue of treasury shares. [Refer: Treasury shares]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SaleOrIssueOfTreasuryShares</td>
</tr>
<tr>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176134712">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Financial Statements - Statements of cash flows - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
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<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
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<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Cashandcashequivalentsstatementsofcashflows', window );">Cash And Cash Equivalents Statements Of Cash Flows</a></td>
<td class="nump">&#8364; 65,877,000,000<span></span>
</td>
<td class="nump">&#8364; 44,565,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Statementofcashflowschangesabstract', window );"><strong>Statement Of Cash Flows Changes Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInOperatingActivities', window );">CASH FLOW FROM OPERATING ACTIVITIES</a></td>
<td class="nump">27,354,230,844.7255<span></span>
</td>
<td class="num">(14,120,384,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLoss', window );">Profit</a></td>
<td class="num">(823,000,000)<span></span>
</td>
<td class="nump">2,916,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital', window );">Adjustments to obtain the cash flow from operating activities</a></td>
<td class="nump">7,962,000,000<span></span>
</td>
<td class="nump">4,225,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense', window );">Depreciation and amortization</a></td>
<td class="nump">766,000,000<span></span>
</td>
<td class="nump">790,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherAdjustmentsToReconcileProfitLoss', window );">Other adjustments - Cash Flows</a></td>
<td class="nump">7,197,000,000<span></span>
</td>
<td class="nump">3,435,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Cashflowsfromusedinoperationsassets', window );">Net increase/decrease in operating assets</a></td>
<td class="num">(70,785,000,000)<span></span>
</td>
<td class="num">(38,318,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading', window );">Financial assests held for trading</a></td>
<td class="num">(20,972,000,000)<span></span>
</td>
<td class="num">(14,707,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Adjustmentsfordecreaseincreaseinotherfinancialassetsdesignatedatfairvaluetthroughprofitorloss', window );">Other financial assets designated at fair value through profit or loss</a></td>
<td class="num">(196,000,000)<span></span>
</td>
<td class="nump">247,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Nontradingfinancialassetsmandatorilyatfairvaluethroughprofitorloss', window );">Non trading financial assets mandatorily at fair value through profit or loss</a></td>
<td class="nump">116,000,000<span></span>
</td>
<td class="num">(337,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatfairvaluethroughothercomprehensiveincome', window );">Adjustments For Decrease Increase In Financial Assets At Fair Value Through Other Comprehensive Income</a></td>
<td class="num">(11,468,000,000)<span></span>
</td>
<td class="num">(7,114,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatamortisedcost', window );">Adjustments For Decrease Increase In Financial Assets At Amortised Cost</a></td>
<td class="num">(37,577,000,000)<span></span>
</td>
<td class="num">(18,072,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets', window );">Other operating assets</a></td>
<td class="num">(688,000,000)<span></span>
</td>
<td class="nump">1,665,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Cashflowsfromusedinoperationsliabilities', window );">Net increase/Decrease in operating liabilities</a></td>
<td class="nump">91,749,000,000<span></span>
</td>
<td class="nump">17,297,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading', window );">Financial liabilities held for trading</a></td>
<td class="nump">22,594,000,000<span></span>
</td>
<td class="nump">10,206,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Adjustmentsforincreasedecreaseinotherfinancialliabilitiesdesignatedatfairvaluethroughprofitorloss', window );">Other financial liabilities designated at fair value through profit or loss</a></td>
<td class="num">(61,000,000)<span></span>
</td>
<td class="nump">1,838,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Adjustmentsforincreasedecreaseinfinancialliabilitiesatamortizedcost', window );">Financial liabilities at amortized cost</a></td>
<td class="nump">68,477,000,000<span></span>
</td>
<td class="nump">4,000,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities', window );">Other operating liabilities</a></td>
<td class="nump">738,000,000<span></span>
</td>
<td class="nump">1,253,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities', window );">Collection/Payments for income Tax</a></td>
<td class="num">(749,000,000)<span></span>
</td>
<td class="num">(241,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInInvestingActivities', window );">CASH FLOWS FROM INVESTING ACTIVITIES</a></td>
<td class="num">(134,000,000)<span></span>
</td>
<td class="num">(598,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OutflowsOfCashFromInvestingActivities', window );">Investments - INVESTING ACTIVITIES</a></td>
<td class="num">(269,000,000)<span></span>
</td>
<td class="num">(1,030,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Purchaseoftangibleassetsclassifiedasinvestingactivities', window );">Investments - Tangible assets</a></td>
<td class="num">(14,000,000)<span></span>
</td>
<td class="num">(672,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities', window );">Investments - Intangible assets</a></td>
<td class="num">(256,000,000)<span></span>
</td>
<td class="num">(358,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod', window );">Investments - Investments in joint ventures and associatess, subsidiaries and other Business units</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherbusinessunits', window );">OtherBusinessUnits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations', window );">Investments - Non current assets held for sale and associated liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities', window );">Investments - Other settlements related to investing activities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InflowsOfCashFromInvestingActivities', window );">Disinvestments - INVESTING ACTIVITIES</a></td>
<td class="nump">136,000,000<span></span>
</td>
<td class="nump">432,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities', window );">Disinvestments - Tangible assets</a></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities', window );">Disinvestments - Intangible assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod', window );">Disinvestments - Investments in joint ventures and associatess, subsidiaries and other Business units</a></td>
<td class="nump">27,000,000<span></span>
</td>
<td class="nump">358,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities', window );">Disinvestments - Subsidiaries and other business units</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations', window );">Disinvestments - Non current assets held for sale and associated liabilities</a></td>
<td class="nump">105,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Proceedsfromothercollectionsrelatedtoinvestingactivities', window );">Disinvestments - Other collections related to investing activities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">74,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashFlowsFromUsedInFinancingActivities', window );">CASH FLOWS FROM FINANCING ACTIVITIES</a></td>
<td class="num">(2,938,000,000)<span></span>
</td>
<td class="num">(2,257,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Investmentsinfinancingactivities', window );">Investments - FINANCING ACTIVITIES</a></td>
<td class="num">(4,558,000,000)<span></span>
</td>
<td class="num">(4,812,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities', window );">Dividends</a></td>
<td class="num">(1,065,000,000)<span></span>
</td>
<td class="num">(1,272,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RepaymentsOfSubordinatedLiabilities', window );">Subordinated liabilities (Investments)</a></td>
<td class="num">(2,634,000,000)<span></span>
</td>
<td class="num">(2,613,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Paymentsfortreasurystockamortization', window );">Treasury stock amortization</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Paymentsfortreasurystockacquisition', window );">Treasury stock aquisition</a></td>
<td class="num">(494,000,000)<span></span>
</td>
<td class="num">(591,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otheroutflowsofcashclassifiedasfinancingactivities', window );">Other items relating to financing activities (Investments)</a></td>
<td class="num">(365,000,000)<span></span>
</td>
<td class="num">(336,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disinvestmentsinfinancingactivities', window );">Disinvestments - FINANCING ACTIVITIES</a></td>
<td class="nump">1,621,000,000<span></span>
</td>
<td class="nump">2,555,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities', window );">Subordinated liabilities (Disinvestments)</a></td>
<td class="nump">1,095,000,000<span></span>
</td>
<td class="nump">1,749,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Proceedsfromtreasurystockincrease', window );">Treasury stock increase</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Proceedsfromtreasurystockdisposal', window );">Treasury stock disposal</a></td>
<td class="nump">526,000,000<span></span>
</td>
<td class="nump">806,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherinflowsofcashclassifiedasfinancingactivities', window );">Other items relating to financing activities (Disinvestments)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents', window );">EFFECT OF EXCHANGE RATE CHANGES</a></td>
<td class="num">(2,709,000,000)<span></span>
</td>
<td class="nump">3,345,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents', window );">NET INCREASE/DECEASE IN CASH OR CASH EQUIVALENTS</a></td>
<td class="nump">21,573,000,000<span></span>
</td>
<td class="num">(13,631,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashOnHand', window );">Cash on hand at the end</a></td>
<td class="nump">5,669,000,000<span></span>
</td>
<td class="nump">5,544,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashAndBankBalancesAtCentralBanks', window );">Cash balances at central banks at the end</a></td>
<td class="nump">60,207,000,000<span></span>
</td>
<td class="nump">39,021,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFinancialAssets', window );">Other financial assets at the end</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents', window );">Bank Overdrafts Classified As Cash Equivalents at the end</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Cashandcashequivalentsstatementsofcashflows', window );">Cash And Cash Equivalents Statements Of Cash Flows at the end</a></td>
<td class="nump">&#8364; 65,877,000,000<span></span>
</td>
<td class="nump">&#8364; 44,565,000,000<span></span>
</td>
</tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and receivables corresponding to net increase/decrease in operating assets</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatamortisedcost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value throught other comprehensive income. Net increase/decrease in operating assets</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Adjustmentsfordecreaseincreaseinfinancialassetsatfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Adjustmentsfordecreaseincreaseinotherfinancialassetsdesignatedatfairvaluetthroughprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in the value of financial assets at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Adjustmentsfordecreaseincreaseinotherfinancialassetsdesignatedatfairvaluetthroughprofitorloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Adjustmentsforincreasedecreaseinfinancialliabilitiesatamortizedcost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in the value of financial liabilities at amortized cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Adjustmentsforincreasedecreaseinfinancialliabilitiesatamortizedcost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Adjustmentsforincreasedecreaseinotherfinancialliabilitiesdesignatedatfairvaluethroughprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in the value of financial liabilities at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Adjustmentsforincreasedecreaseinotherfinancialliabilitiesdesignatedatfairvaluethroughprofitorloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Cashandcashequivalentsstatementsofcashflows">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Cashandcashequivalentsstatementsofcashflows</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Cashflowsfromusedinoperationsassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash flows from operation assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Cashflowsfromusedinoperationsassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Cashflowsfromusedinoperationsliabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash flows from operation liabilities. The amount of net increase/decrease in operating liabilities</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Cashflowsfromusedinoperationsliabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disinvestmentsinfinancingactivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflows for disinvestments classified as financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disinvestmentsinfinancingactivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Investmentsinfinancingactivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflows for investments classified as financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Investmentsinfinancingactivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Nontradingfinancialassetsmandatorilyatfairvaluethroughprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in the value of financial assets at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Nontradingfinancialassetsmandatorilyatfairvaluethroughprofitorloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherbusinessunits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherbusinessunits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherinflowsofcashclassifiedasfinancingactivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other cash inflows not related to any of the disclosures previously shown for financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherinflowsofcashclassifiedasfinancingactivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otheroutflowsofcashclassifiedasfinancingactivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Other cash outflows not related to any of the disclosures previously shown for financing activities. The amount of other items relating to financing activities classified as payments, corresponding to cash flow from financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otheroutflowsofcashclassifiedasfinancingactivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Paymentsfortreasurystockacquisition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflows for treasury stock acquisition. The amount of treasury stock acquisition classified as payments, corrsponding to cash flow from financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Paymentsfortreasurystockacquisition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Paymentsfortreasurystockamortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflows for treasury stock amortization. The amount of treasury stock amortization classified as payments, corrsponding to cash flow from financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Paymentsfortreasurystockamortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Proceedsfromothercollectionsrelatedtoinvestingactivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The proceed from collections related to investing activities. The amount of other collections realted to investing activities classified as divestments, corresponding to cash flow from investing activities</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Proceedsfromothercollectionsrelatedtoinvestingactivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Proceedsfromtreasurystockdisposal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The proceeds from treasury stock disposal. The amount of treasury stock disposal classified as collections, corresponding to cash flow from financing activities</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Proceedsfromtreasurystockdisposal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Proceedsfromtreasurystockincrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The proceeds from treasury stock increase. The amount of treasury stock increase classified as collections, corresponding to cash flow from financing activities</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Proceedsfromtreasurystockincrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflows done for the purchase of non -current assets or disposal groups classified as held for sale and discontinued operations, classified as investing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Purchasedfromdisposalofnoncurrentassetsordisposalgroupsclassifiedasheldforsaleanddiscontinuedoperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Purchaseoftangibleassetsclassifiedasinvestingactivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflows done for the purchase of tangible assets classified as investing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Purchaseoftangibleassetsclassifiedasinvestingactivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Statementofcashflowschangesabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Statementofcashflowschangesabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in financial assets held for trading to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial assets; Financial assets at fair value through profit or loss, classified as held for trading; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for decrease (increase) in other assets to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Other assets; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDecreaseIncreaseInOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for depreciation and amortisation expense to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Depreciation and amortisation expense; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_20_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in financial liabilities held for trading to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Financial liabilities; Financial liabilities at fair value through profit or loss that meet definition of held for trading; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for increase (decrease) in other liabilities to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Other liabilities; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForIncreaseDecreaseInOtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments, other than changes in working capital, to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsToReconcileProfitLossOtherThanChangesInWorkingCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BankOverdraftsClassifiedAsCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount that has been withdrawn from an account in excess of existing cash balances. This is considered a short-term extension of credit by the bank. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 45<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BankOverdraftsClassifiedAsCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndBankBalancesAtCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash and bank balances held at central banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndBankBalancesAtCentralBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate cash flows arising from losing control of subsidiaries or other businesses, classified as investing activities. [Refer: Subsidiaries [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 39<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_39&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) financing activities, which are activities that result in changes in the size and composition of the contributed equity and borrowings of the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) investing activities, which are the acquisition and disposal of long-term assets and other investments not included in cash equivalents.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashFlowsFromUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash flows from (used in) operating activities, which are the principal revenue-producing activities of the entity and other activities that are not investing or financing activities. [Refer: Revenue]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 50<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_50_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashFlowsFromUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashOnHand">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash held by the entity. This does not include demand deposits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 45<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashOnHand</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DividendsPaidClassifiedAsFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for dividends paid by the entity, classified as financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 31<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_31&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DividendsPaidClassifiedAsFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The effect of exchange rate changes on cash and cash equivalents held or due in a foreign currency. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 25<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EffectOfExchangeRateChangesOnCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash flows from income taxes paid or refunded, classified as operating activities. [Refer: Income taxes paid (refund)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 14<br> -Subparagraph f<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_14_f&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeTaxesPaidRefundClassifiedAsOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in cash and cash equivalents. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 45<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InflowsOfCashFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from investing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InflowsOfCashFromInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAdjustmentsToReconcileProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments to reconcile profit (loss) to net cash flow from (used in) operating activities that the entity does not separately disclose in the same statement or note. [Refer: Adjustments to reconcile profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_20&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAdjustmentsToReconcileProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets that the entity does not separately disclose in the same statement or note. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Inflows (outflows) of cash, classified as investing activities, that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 21<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_21&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OutflowsOfCashFromInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for investing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OutflowsOfCashFromInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the disposal of non-current assets or disposal groups classified as held for sale and discontinued operations. [Refer: Discontinued operations [member]; Disposal groups classified as held for sale [member]; Non-current assets or disposal groups classified as held for sale]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromDisposalOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the issuing of subordinated liabilities. [Refer: Subordinated liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 17<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromIssueOfSubordinatedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of intangible assets, classified as investing activities. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSalesOfIntangibleAssetsClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of investments accounted for using the equity method. [Refer: Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from sales of property, plant and equipment, classified as investing activities. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total of income less expenses from continuing and discontinued operations, excluding the components of other comprehensive income. [Refer: Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 18<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_18_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 32<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_32_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 39L<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_39L_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B10<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B10_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 106<br> -Subparagraph d<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_106_d_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 9: http://www.xbrl.org/2003/role/exampleRef<br> -Note Effective 2021-01-01<br> -Name IFRS<br> -Number 17<br> -IssueDate 2019-01-01<br> -Paragraph 113<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=17&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_113_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81A<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81A_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for the purchases of intangible assets, classified as investing activities. [Refer: Intangible assets other than goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PurchaseOfIntangibleAssetsClassifiedAsInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PurchaseOfInterestsInInvestmentsAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for the purchase of interests in investments accounted for using the equity method. [Refer: Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for repayments of subordinated liabilities. [Refer: Subordinated liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 17<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197864760">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 1 - Introduction, Basis For The Presentation Of The Consolidated Financial Statements, Internal Control Of Financial Information And Other Information<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Generalinformationbasisforpresentationandotherinformationabstract', window );"><strong>Introduction, Basis For The Presentation Of The Consolidated Financial Statements, Internal Control Of Financial Information And Other Information</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory', window );">Basis For The Presentation Of The Consolidated Financial Statements, Internal Control Of Financial Information And Other Information</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >1.</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >    </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >Introduction, basis for the presentation of the condensed interim consolidated financial statements</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > and other information</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >1.1    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Introduction</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter &#8220;the Bank&#8221; or &#8220;BBVA&quot;) is a private-law entity subject to the laws and regulations governing banking entities operating in Spain. It carries out its acti</font><font style='font-family:Arial;font-size:8pt;' >vity through branches and agencies across the country and abroad.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The Bylaws and other public information are available for inspection at the Bank&#8217;s registered address (Plaza San Nicol&#225;s, 4, Bilbao) as noted on its web site (www.bbva.com).</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In addition to t</font><font style='font-family:Arial;font-size:8pt;' >he 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 G</font><font style='font-family:Arial;font-size:8pt;' >roup&#8221; or &#8220;the BBVA Group&#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></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The consolidated Financial Statements of the BBVA Gro</font><font style='font-family:Arial;font-size:8pt;' >up for the year ended December 31, 2019 were </font><font style='font-family:Arial;font-size:8pt;' >authorized for issue on February 28</font><font style='font-family:Arial;font-size:8pt;' >, 2020.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >1.2    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Basis for the presentation of the condensed interim consolidated </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >financial statements</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The BBVA Group&#8217;s condensed interim consolidated </font><font style='font-family:Arial;font-size:8pt;' >financial statements</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >(hereinafter, the &#8220;consolidated Financial Statements&#8221;) are presented in accordance with the International Accounting Standard &#8220;Interim Financial Reporting&#8221; </font><font style='font-family:Arial;font-size:8pt;' >(&#8220;IAS 34&#8221;) and have been prepar</font><font style='font-family:Arial;font-size:8pt;' >ed by</font><font style='font-family:Arial;font-size:8pt;' > the Board of Directors at its meeting held on July 29, 2020. In</font><font style='font-family:Arial;font-size:8pt;' > accor</font><font style='font-family:Arial;font-size:8pt;' >dance with IAS 34, the interim f</font><font style='font-family:Arial;font-size:8pt;' >inancial information is prepared solely for the purpose of updatin</font><font style='font-family:Arial;font-size:8pt;' >g the last annual consolidated Financial S</font><font style='font-family:Arial;font-size:8pt;' >tatements, focusing on new activities, events and circumstances that occurred during the period without duplic</font><font style='font-family:Arial;font-size:8pt;' >ating the information previously published in those con</font><font style='font-family:Arial;font-size:8pt;' >solidated Financial Statements.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Therefore, the accompanying consolidated Financial Statements do not include all information required by a complete set of consolidated Financial Statements prepared in </font><font style='font-family:Arial;font-size:8pt;' >accordance with International Financial Reporting Standards endorsed by the European Union (hereinafter, &#8220;EU-IFRS&#8221;), consequently for an appropriate understanding of the information included in them, they should be read together with the consolidated Finan</font><font style='font-family:Arial;font-size:8pt;' >cial Statements of the Group as of and for the year ended December 31, 2019.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The aforementioned annual consolidated Financial Statements were </font><font style='font-family:Arial;font-size:8pt;' >prepared in</font><font style='font-family:Arial;font-size:10pt;' > </font><font style='font-family:Arial;font-size:8pt;' >compliance</font><font style='font-family:Arial;font-size:8pt;' > 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;)</font><font style='font-family:Arial;font-size:8pt;' > applicable as of December 31, 2019, considering the Bank of Spain Circular 4/2017, (as amende</font><font style='font-family:Arial;font-size:8pt;' >d thereafter) and any other legislation governing financial reporting applicable to the Group in Spain.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The accompanying consolidated Financial Statements were prepared applying principles of consolidation, accounting policies and valuation criteria, which</font><font style='font-family:Arial;font-size:8pt;' >, as described in Note 2, are the same as those applied in the consolidated Financial Statements of the Group as of and for the year ended December 31, 2019, taking into consideration the new Standards and Interpretations that became effective from January</font><font style='font-family:Arial;font-size:8pt;' > 1, 2020 (see Note 2.1), so that they present fairly the Group&#8217;s consolidated equity and financial position as of June 30, 2020, together with the consol</font><font style='font-family:Arial;font-size:8pt;' >idated results of its transactions</font><font style='font-family:Arial;font-size:8pt;' > and the consolidated cash flows generated by the Group during the </font><font style='font-family:Arial;font-size:8pt;' >six months ended June 30, 2020.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The consolidated Financial Statements and explanatory notes were prepared on the basis of the accounting records kept by the Bank and each of the other entities in the Group. They include the adjustments and reclassification</font><font style='font-family:Arial;font-size:8pt;' >s required to harmonize the accounting policies and valuation criteria used by the entities in the Group.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >All effective accounting standards and valuation criteria with a significant effect in the consolidated Financial Statements were applied in their pre</font><font style='font-family:Arial;font-size:8pt;' >paration.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The amounts reflected in the accompanying consolidated Financial Statements are presented in millions of euros, unless it is more appropriate to use smaller units. Therefore, some items that appear without a balance in these consolidated Financia</font><font style='font-family:Arial;font-size:8pt;' >l 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 </font><font style='font-family:Arial;font-size:8pt;' >sum of their component figures.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The percentage changes in amounts have been calculated using figures expressed in thousands of euros.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >When determining the information to disclose about various items of the</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >consolidated </font><font style='font-family:Arial;font-size:8pt;' >financial statements, the Group, in acc</font><font style='font-family:Arial;font-size:8pt;' >ordance with IAS 34, has taken into account their materiality i</font><font style='font-family:Arial;font-size:8pt;' >n relation to the consolidated financial s</font><font style='font-family:Arial;font-size:8pt;' >tatements.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >1.3    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Comparative information</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >Hyperinflationary economies</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Considering the interpretation issued by the International Financial Reporting </font><font style='font-family:Arial;font-size:8pt;' >Interpretations Committee (IFRIC) in its &#8220;IFRIC Update&#8221; of March 2020 on IAS 29 &#8220;Financial information in hyperinflationary economies&#8221;, the Group made an accounting policy change which involves recording the differences generated when translating the resta</font><font style='font-family:Arial;font-size:8pt;' >ted financial statements of the subsidiaries in hyperinflationary economies into euros in the line item &#8220;Accumulated other comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211; Foreign currency translation&#8221; of </font><font style='font-family:Arial;font-size:8pt;' >our consolidated balance s</font><font style='font-family:Arial;font-size:8pt;' >heet.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In order to make the information as of December 31, 2019 comparable with information as of June 30, 2020, the former has been restated by reclassifying &#8364;2,985 million from &#8220;Shareholders&#8217; funds &#8211; Retained earnings&#8221; and &#8364;6 million from &#8220;Shareholders&#8217; f</font><font style='font-family:Arial;font-size:8pt;' >unds &#8211; Other reserves&#8221; to &#8220;Accumulated other comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211; Foreign currency translation&#8221;.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The reclassification has been recorded as &#8220;Effect of changes in accounting policies&#8221; under the balance as </font><font style='font-family:Arial;font-size:8pt;' >of January 1, 2019 in the consolidated statement of changes in equity for the six-month period ended June 30, 2019.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 9 &#8211; collection of interest on impaired financial assets</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As a consequence of the application of the interpretation issued by the IFRIC i</font><font style='font-family:Arial;font-size:8pt;' >n its &#8220;IFRIC Update&#8221; of March 2019 regarding the collection of interest on impaired financial assets under IFRS 9, such collections are presented since 2020 as reductions in credit-related write-offs whereas previously they were included as interest income</font><font style='font-family:Arial;font-size:8pt;' >. In order to make the information for the six months ended June 30, 2019 comparable with the information for the six months ended June 30, 2020, the unaudited condensed interim consolidated income statement for the six months ended June 30, 2019 has been </font><font style='font-family:Arial;font-size:8pt;' >restated by recognizing a &#8364;45 million reduction in the heading &#8220;Interest and other income&#8221; and a &#8364;45 million increase in the heading &#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss or net gains by</font><font style='font-family:Arial;font-size:8pt;' > modification&#8221;. This reclassification has had no impact on the profit for the period for the six months ended June 30, 2019 or on the consolidated total equity as of June 30, 2019.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >1.4    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Seasonal nature of income and expense</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The nature</font><font style='font-family:Arial;font-size:8pt;' > 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, and are not significantly affected by seasonal factors within the same year.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >1.5    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Management and impacts of the COVID-19 pandemic</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The appearance of the Coronavirus C</font><font style='font-family:Arial;font-size:8pt;' >OVID-19 in China</font><font style='font-family:Arial;font-size:8pt;' > and its global expansion to a large number of countries, has motivated the viral outbreak to be classified as a global pandemic by the World Health Organization since last</font><font style='font-family:Arial;font-size:8pt;' > March 11, 2020. The pandemic has affected and continues to adversely affect the world economy and economic activity and conditions in the countries in which the Group operates, leading many of them to economic recession.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In this pandemic situation, BBVA h</font><font style='font-family:Arial;font-size:8pt;' >as focused its attention on ensuring the continuity of the business operational security as a priority and monitoring the impacts on the business and on the risks of the Group (such as the impacts on results, capital or liquidity). Additionally, BBVA adopt</font><font style='font-family:Arial;font-size:8pt;' >ed from the beginning a series of measures to support its main interest groups. In this sense, the purpose and the Group&#39;s long-term strategic priorities remain the same and are even reinforced, with a commitment to technology and data-driven decision-maki</font><font style='font-family:Arial;font-size:8pt;' >ng.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >With the aim of mitigating the impact of COVID-19, various European and International bodies have made pronouncements aimed at allowing greater flexibility in the implementation of the accounting and prudential frameworks. The BBVA Group has taken thes</font><font style='font-family:Arial;font-size:8pt;' >e pronouncements into consideration when preparing this report</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >(see Note 6.2.1).</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The main impacts of COVID-19 pandemic in the BBVA Group&#39;s consolidated Financial Statements are detailed in the following explanatory notes:</font></p><p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:10pt;margin-bottom:6pt;' ><span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Note 1.6 includes information on t</font><font style='font-family:Arial;font-size:8pt;' >he consideration of the COVID-19 pandemic in the estimates made.</font></span></p></div><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Note 4 mentions the amendment of the Group&#8217;s shareholder remuneration policy, in accordance with the recommendation issued by the European Central Bank, which no longer pays any amount as a d</font><font style='font-family:Arial;font-size:8pt;' >ividend for the financial year 2020 until as long as the uncertainties generated by the pandemic remain</font><font style='font-family:Arial;font-size:8pt;' >.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Note 6.1 details the main risks associated with the pandemic as well as the impacts that have occurred b</font><font style='font-family:Arial;font-size:8pt;' >oth in the activity and in the consolidated f</font><font style='font-family:Arial;font-size:8pt;' >in</font><font style='font-family:Arial;font-size:8pt;' >ancial s</font><font style='font-family:Arial;font-size:8pt;' >tatements for the first half of 2020.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Note 6.2 includes information related to the initiatives carried out by the Group to help the most affected clients, jointly with the corresponding governments. Likewise, it contains, among others, information </font><font style='font-family:Arial;font-size:8pt;' >regarding the number of operations and the amount corresponding to moratorium measures, both public and private, granted by the Group worldwide.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Note 6.3 presents information regarding the impact on liquidity and financing risk.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Note 17.1 includes informat</font><font style='font-family:Arial;font-size:8pt;' >ion concerning the impairment of the goodwill in the United States carried out for the six months ended June 30, 2020, mainly due to the impact of COVID-19 in updating the macroeconomic scenario and the expected evolution of interest rate</font><font style='font-family:Arial;font-size:8pt;' >s</font><font style='font-family:Arial;font-size:8pt;' >.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Note 29 include</font><font style='font-family:Arial;font-size:8pt;' >s information with regard to the impact on the Group&#39;s capital.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >1.6    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Responsibility for the information and for the estimates made</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The information contained in the BBVA Group&#8217;s consolidated Financial Statements is the responsibility of the Group&#8217;s Direct</font><font style='font-family:Arial;font-size:8pt;' >ors.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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, expense and commitments. These estimates relate mainly</font><font style='font-family:Arial;font-size:8pt;' > to the following:</font></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Loss allowances on certain financial assets (see Notes 6,</font><font style='font-family:Arial;font-size:8pt;' > 12, 13 and 15</font><font style='font-family:Arial;font-size:8pt;' >).</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >The assumptions used to quantify certain provisions (see Notes 22 and 23) and for the actuarial calculation of post-employment benefit liabilities and commitments </font><font style='font-family:Arial;font-size:8pt;' >(see Note 24).</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >The useful life and impairment losses of tangible and intangible assets (see Notes 16, 17, 19 and 20).</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >The valuation of goodwill and price allocation of business combinations </font><font style='font-family:Arial;font-size:8pt;' >(see Note 17)</font><font style='font-family:Arial;font-size:8pt;' >.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >The fair value of certain unlisted financial assets</font><font style='font-family:Arial;font-size:8pt;' > and liabilities </font><font style='font-family:Arial;font-size:8pt;' >(see Note 7, 9, 10, 11</font><font style='font-family:Arial;font-size:8pt;' >, 12</font><font style='font-family:Arial;font-size:8pt;' > and 14)</font><font style='font-family:Arial;font-size:8pt;' >.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >The recoverability of deferred tax assets </font><font style='font-family:Arial;font-size:8pt;' >(see Note 18)</font><font style='font-family:Arial;font-size:8pt;' >.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >On March 11, 2020, COVID-19 was declared as a global pandemic by the World Health Organization (see Note 1.5). The great uncertainty associated to</font><font style='font-family:Arial;font-size:8pt;' > the unprecedented nature of this pandemic entails a greater complexity of developing reliable estimations and applying judgment</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Therefore, these estimates have been made on the basis of the best available information on the matters analyzed, as of June 3</font><font style='font-family:Arial;font-size:8pt;' >0, 2020. However, it is possible that events may take place in the future which could make it necessary to amend these estimations (upward or downward), which would be carried out prospectively, recognizing the effects of the change in estimation in the co</font><font style='font-family:Arial;font-size:8pt;' >rresponding consolidated income statement.</font></p><p style='text-align:left;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ></p><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197947112">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 2 - Principles Of Consolidation, Accounting Policies And Measurement Bases Applies And Recent IFRS Pronouncements<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory', window );">Significant Account Policies</a></td>
<td class="text"><div><p style='text-align:left;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >2.    </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >Principles </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >of consolidation, accounting policies, measurement bases applied and recent IFRS pronouncements and interpretations</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The accounting policies and methods applied for the preparation of the accompany</font><font style='font-family:Arial;font-size:8pt;' >ing consolidated Financial Statements do not differ significantly to those applied in the consolidated Financial Statements of the Group for the year ended December 31, 2019 (Note 2), except for the entry into force of new standards and interpretations in </font><font style='font-family:Arial;font-size:8pt;' >2020.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >2.1    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Standards and interpretations that became effective in the first six months of 202</font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >0</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In addition to the mentioned in Note 1.3, the following amendments to the IFRS standards or their interpretations (hereinafter &#8220;IFRIC&#8221;) became effective on or </font><font style='font-family:Arial;font-size:8pt;' >after January 1, 2020:</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IAS 1 and IAS 8 &#8211; &#8220;Definition of Material&#8221;</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The amendments clarify the definition of Material in the preparation of the financial statements by aligning the definition of the Conceptual Framework, IAS 1 and IAS 8 (which, before such a</font><font style='font-family:Arial;font-size:8pt;' >mendment, contained similar but not identical definitions). The new definition of material is as follows: &#8220;information is material if its omission, misrepresentation or obscuration can reasonably be expected to influence the decisions made by the primary u</font><font style='font-family:Arial;font-size:8pt;' >sers of a specific entity&#8217;s general purpose financial statements, based on those financial statements.&#8221;</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The implementat</font><font style='font-family:Arial;font-size:8pt;' >ion of this standard </font><font style='font-family:Arial;font-size:8pt;' >has had no significant impa</font><font style='font-family:Arial;font-size:8pt;' >ct on the Group&#180;s consolidated financial s</font><font style='font-family:Arial;font-size:8pt;' >tatements.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 3 &#8211; </font><font style='font-family:Arial;font-size:8pt;color:#004580;' >&#8220;</font><font style='font-family:Arial;font-size:8pt;color:#004580;' >Definition of a business</font><font style='font-family:Arial;font-size:8pt;color:#004580;' >&#8221;</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The amendment clarifies the difference between &#8220;acquiring a business&#8221; or &#8220;acquiring a group of assets&#8221; for accounting purposes. To determine whether a transaction is the acquisition of a business, an entity has to evaluate and conclude that the following t</font><font style='font-family:Arial;font-size:8pt;' >wo conditions are met:</font></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The fair value of the assets acquired is not in a single asset or group of similar assets.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The set of acquired activities and assets includes, as a minimum, an input and a substantive process that together contribute to the ability </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >to create products.</font></span></p></div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >implementation of this standard</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > has </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >had no significant impact on the Group&#180;s con</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >solidated financial s</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >tatements.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 9, IAS 39 and IFRS 7 &#8211; Modifications &#8211; IBOR Reform</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The IBOR Reform (Phase 1) refers to the amendments to IFRS 9, </font><font style='font-family:Arial;font-size:8pt;' >IAS 39 and IFRS 7 issued by the IASB to prevent some hedge accounting from having to be discontinued in the period before the reform of the interest rate references takes place. As the Group applies IAS 39 for hedge accounting, the amendments of IFRS 9 whi</font><font style='font-family:Arial;font-size:8pt;' >ch are stated in this section are not applicable.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In some cases and / or jurisdictions, there may be uncertainty about the future of some interest rate references or their impact on the contracts held by the entity, which directly causes uncertainty about </font><font style='font-family:Arial;font-size:8pt;' >the timing or amounts of the cash flows of the hedged instrument or hedging instrument. Due to such uncertainties, some entities may be forced to discontinue their hedge accounting, or not be able to designate new hedging relationships.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >For this reason, th</font><font style='font-family:Arial;font-size:8pt;' >e amendments include several transitory reliefs that apply to all hedging relationships that are affected by the uncertainty arising from the IBOR reform; A hedging relationship is affected by the reform if it generates uncertainty about the timing or amou</font><font style='font-family:Arial;font-size:8pt;' >nt of the cash flows of the hedged financial instrument or that of a hedging instrument referenced to the particular interest rate benchmark. The reliefs refer specifically to the requirements for highly probable future cash flow hedging transactions, to t</font><font style='font-family:Arial;font-size:8pt;' >he future and retrospective effectiveness (relief of the compliance of the effectiveness ratio of 80-125%) and to the need to identify each risk component separately.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Since the purpose of the modification is to provide some temporary relief to the applicat</font><font style='font-family:Arial;font-size:8pt;' >ion of certain specific requirements of hedge accounting, these exceptions must </font><font style='font-family:Arial;font-size:8pt;' >end once the uncertainty is</font><font style='font-family:Arial;font-size:8pt;' > resolved or the hedging relationship ceases to exist.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The IBORs transition is considered a complex initiative, which affects BBVA</font><font style='font-family:Arial;font-size:8pt;' > Group</font><font style='font-family:Arial;font-size:8pt;' > in different</font><font style='font-family:Arial;font-size:8pt;' > geographical areas and business lines, as well as in multiple products, systems and processes. Thus, the Group has established a transition project, endowed with a robust governance structure, through an Executive Steering Committee, with representation f</font><font style='font-family:Arial;font-size:8pt;' >rom senior management in the affected areas, reporting directly to the Group&#39;s Global Leadership Team. At the local level, each geography has defined a local government structure with the participation of senior management. Coordination between geographies</font><font style='font-family:Arial;font-size:8pt;' > is done through the Project Management Office (PMO) and the Global Working Groups that have a multi-geographic and transversal vision in the areas of Legal, Risk, Regulatory, Finance and Accounting, Engineering and Communication. The project also involves</font><font style='font-family:Arial;font-size:8pt;' > both Corporate Assurance from different geographies and business lines and the Group&#39;s Global Corporate Assurance.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA Group has a significant number of financial assets and liabilities whose contracts are referenced to IBORs, especially the EURIBOR, whi</font><font style='font-family:Arial;font-size:8pt;' >ch is used, among others, for loans, deposits and debt issues, as well as underlying in derivative financial instruments. Furthermore, although the exposure to EONIA is lower in the banking book, this IBOR is used as the underlying reference in derivative </font><font style='font-family:Arial;font-size:8pt;' >financial instruments of the trading book, as well as for the treatment of collaterals, mainly in Spain. In the case of LIBOR, the USD is the most relevant currency for, both, debt instruments of the banking book and the trading book. Other LIBOR currencie</font><font style='font-family:Arial;font-size:8pt;' >s (CHF, GBP and JPY) have a lower specific weight.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Likewise, the Group maintains cash flow and fair value hedges which are exposed to different IBORs, especially with the EURIBOR, LIBOR USD and to a much lesser extend LIBOR GBP and other indices. The Group</font><font style='font-family:Arial;font-size:8pt;' > considers the amendments to IAS 39 and IFRS 7 applicable in the case of uncertainties about the future cash flows.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020, the Group estimates that there exist</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >generally</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >no uncertainties regarding the EURIBOR, as it has been replaced by a hyb</font><font style='font-family:Arial;font-size:8pt;' >rid EURIBOR which counts with a methodology that complies with the requirements of the different international institutions. In the case of the rest of the indices which are used for hedge accounting, despite the uncertainty, based on the reliefs which are</font><font style='font-family:Arial;font-size:8pt;' > foreseen in the standard, the hedging relations for the six-month period ended June 2020, have not been affected.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The assumptions made by the Group based on these reliefs are that in the case of cash flow hedges, those hedged cash flows will not be modifi</font><font style='font-family:Arial;font-size:8pt;' >ed because of the reform and, therefore, continue to comply with the requirement of the future transaction to be highly probable. Likewise, at the time of performing the effectiveness test, it is assumed that the reference indices will not be modified by t</font><font style='font-family:Arial;font-size:8pt;' >he reform.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The aforementioned project takes into account the different approaches and transition deadlines to the new RFRs</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >(risk-free rate)</font><font style='font-family:Arial;font-size:8pt;' > when evaluating the economic, operational, legal, financial, reputational or compliance risks associated with the transition, as well as when defining the action lines to mitigate them. A relevant aspect of this transition is its impact on contracts of fi</font><font style='font-family:Arial;font-size:8pt;' >nancial instruments referenced to IBORs maturing after 2021. In this regard, in the case of EONIA, BBVA aims to carry out a novation of contracts maturing after 2021. The Group already has new contractual clauses that incorporate the &#8364;STR as a substitute i</font><font style='font-family:Arial;font-size:8pt;' >ndex as well as contractual clauses to incorporate this index as the principal for new contracts. Regarding derivatives, in which EONIA is mainly used, the actions are carried out through the ISDA plan. In the case of LIBOR, there is an additional difficul</font><font style='font-family:Arial;font-size:8pt;' >ty related to uncertainty regarding its future. To anticipate, the Group is working on identifying the stock of contracts maturing after 2022 to determine its action plan (including - if possible - the novation of such contracts) and with a view to carryin</font><font style='font-family:Arial;font-size:8pt;' >g out actions in cooperation with banking associations. Meanwhile, in the case of EURIBOR, the European authorities have supported the continuity of the index and have supported modifications in its methodology so that it complies with the requirements of </font><font style='font-family:Arial;font-size:8pt;' >the European Reference Index Regulation. BBVA actively participates in various working groups, including the EURO RFR WG that works specifically, among other topics, in the definition of fallbacks in contracts</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The nominal amounts of the interest rate deri</font><font style='font-family:Arial;font-size:8pt;' >vatives included in the hedging accounting relations represent the approach of the risk exposure that the Group is managing and are directly affected by the reform and, as a consequence, affected by the temporary reliefs. The nominal amount of the hedging </font><font style='font-family:Arial;font-size:8pt;' >instruments directly affected by the IBOR reform</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >as of June 30, 2020</font><font style='font-family:Arial;font-size:8pt;' > are the following:</font></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:417.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Millions of Euros </font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:11pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >LIBOR USD </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >LIBOR GBP</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Other - TIIE (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >TOTAL</font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash flow hedges</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,318</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >601</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,920</font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value hedges</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,667</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >299</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,621</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,588</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;color:#000000;' >(*) Equilibrium Interbank Interest Rate used in Mexico.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >2.2    Standards </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >and interpretations issued but not yet effective as of June 30, 2020</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 June 30, 2020. Although in so</font><font style='font-family:Arial;font-size:8pt;' >me cases the </font><font style='font-family:Arial;font-size:8pt;' >International Accounting Standards Board (&#8220;IASB&#8221;) </font><font style='font-family:Arial;font-size:8pt;' >allows early adoption before their effective date, the BBVA Group has not proceeded with this option for any such new standards.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 16 &#8211;Leases &#8211; COVID-19 modifications</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >On May 28, 2020, the </font><font style='font-family:Arial;font-size:8pt;' >IASB approved an amendment to IFRS 16 to include a practical expedient to the accounting treatment for rent concessions (moratoriums and temporary rent reductions) that occur due to COVID-19 (see Note 1.5).</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The amendment permits lessees to account for rent</font><font style='font-family:Arial;font-size:8pt;' > concessions as if they were not lease modifications to the initial ones. It is applicable to rent concessions related to COVID-19, which reduces lease payments before June 30, 2021.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >This </font><font style='font-family:Arial;font-size:8pt;' >amendment is effective from June 1, 2020 and is expected to be endorsed by the European Union in the second half of 2020. The amendment is not expected to have a significant impact on the consolidated Financial Statements of the Group</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 17 &#8211; Insurance contracts</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >This Standard will be applied to the accounting years </font><font style='font-family:Arial;font-size:8pt;' >starti</font><font style='font-family:Arial;font-size:8pt;' >ng on or after January 1, 2023.</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176688856">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 3 - BBVA Group<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofentityinformationabstract', window );"><strong>Grupo BBVA</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofentityinformationaexplanatory', window );">Grupo BBVA, Entity Information</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >3.    BBVA Group</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The BBVA Group is an international diversified financial group with a significant presence in retail banking, wholesale banking and asset management. The Group also operates in the insurance sector.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The following information is detailed in the Appendices to the consolidated Financial Statements of the Group for the year ended December 31, 2019:</font></p><p style='display:flex;margin-left:14.2pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:32.05pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Appendix I shows relevant information related to the consolidated subsidiaries and structured entities.</font></span></p><p style='display:flex;margin-left:14.2pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:32.05pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Appe</font><font style='font-family:Arial;font-size:8pt;' >ndix II shows relevant information related to investments in subsidiaries, joint ventures and associates account</font><font style='font-family:Arial;font-size:8pt;' >ed for using the equity method.</font></span></p><p style='display:flex;margin-left:14.2pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:32.05pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Appendix III shows the main changes and notification of investments and divestments in the BBVA Group.</font></span></p><p style='display:flex;margin-left:14.2pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:32.05pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Appendix </font><font style='font-family:Arial;font-size:8pt;' >IV shows fully consolidated subsidiaries with more than 10% owned by non-Group shareholders.</font></span></p></div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The BBVA Group&#8217;s activities are mainly located in Spain, Mexico, South America, the United States and Turkey, with an active presence in other areas of Europe and </font><font style='font-family:Arial;font-size:8pt;' >Asia (see Note 5).</font></p><p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0pt;color:#004580;' >Significant transactions in th</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >e first six months of 2020</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#009EE5;' >Agreement for the alliance with </font><font style='font-family:Arial;font-size:8pt;color:#009EE5;' >Allianz, Compa&#241;&#237;a de Seguros y Reaseguros, S.A.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >On April 27, 2020, BBVA reached an agreement with Allianz, </font><font style='font-family:Arial;font-size:8pt;' >Compa&#241;&#237;a de Seguros y Reaseguros, S.A. to create a bancassurance joint venture in Spain including a long-term exclusive distribution agreement for the sale of property-casualty insurance products through BBVA&#8217;s banking network in Spain. BBVA will transfer </font><font style='font-family:Arial;font-size:8pt;' >its non-life insurance business in Spain, excluding the health insurance line, to the new joint venture. Excluding a variable part of the price to be paid by Allianz (which may amount to up to &#8364;100 million related to achieving specific business goals and c</font><font style='font-family:Arial;font-size:8pt;' >ertain milestones), it is expected that the transaction will generate a profit net of taxes amounting to approximately &#8364;300 million, and that the positive impact on the fully loaded CET1 capital ratio of the BBVA Group will be approximately 7 basis points.</font><font style='font-family:Arial;font-size:8pt;' > The closing of the transaction is subject to obtaining the relevant regulatory authorizations </font><font style='font-family:Arial;font-size:8pt;' >from the competent authorities.</font></p><p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0pt;color:#004580;' >Significant transactions in 2019</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#009EE5;' >Sale o</font><font style='font-family:Arial;font-size:8pt;color:#009EE5;' >f BBVA&#8217;s stake in BBVA Paraguay</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA reached an agreement with Banco GNB Paraguay S.A., a </font><font style='font-family:Arial;font-size:8pt;' >subsidiary of Grupo Financiero Gilinski, for the sale of its shareholding, directly and indirectly, in Banco Bilbao Vizcaya Argentaria Paraguay, S.A. (&quot;BBVA Paraguay&quot;). BBVA owned, directly and indirectly, 100% of its share capital in BBVA Paraguay.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The sa</font><font style='font-family:Arial;font-size:8pt;' >le price of the BBVA Paraguay shares amounts to approximately $270 million. In this type of transaction, the price is subject to adjustments between the date of signature and the closing date of the operation.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >It is estimated that the gains (net of taxes)</font><font style='font-family:Arial;font-size:8pt;' > will amount to approximately &#8364;2</font><font style='font-family:Arial;font-size:8pt;' >0 million and the positive impact on the Common Equity Tier 1 (fully loaded) of the BBVA Group will be approximately 6 basis points. The closing of the transaction is subject to obtaining the relevant regulatory approvals fro</font><font style='font-family:Arial;font-size:8pt;' >m the appropriate authorities</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197934264">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 4 - Shareholder Remuneration System<br></strong></div></th>
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<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >4.    Shareholder remuneration system</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The Annual General Meeting of March 13, 2020, approved the payment in cash of &#8364;0.16 (&#8364;0.1296 net of withholding tax) for all outstanding BBVA shares as final dividend for 2019. The divide</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >nd was paid on April 9, 2020.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >On April 30, 2020, in</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > accordance with the recommendation ECB/2020/19 issued by the ECB on March 27, 2020 on dividend distributions during the COVID-19 pandemic, the Board of Directors of BBVA has resolved to modify the dividend policy of the Group, as announced on February 1, 2017, for the 2020 financial year, determining not to pay any dividend corresponding to such year until the uncertainties caused by the COVID-19 pandemic disappear and, in any case, not before the end of such year.</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176661256">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 5 - Operating Segment Reporting<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfEntitysReportableSegmentsExplanatory', window );">Disclosure Of Entitys Reportable Segments Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >5.    Operating segment reporting</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Operati</font><font style='font-family:Arial;font-size:8pt;' >ng 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 accord</font><font style='font-family:Arial;font-size:8pt;' >ance with the organizational structure determined by the BBVA Group and, ultimately, into the reportable</font><font style='font-family:Arial;font-size:8pt;' > operating segments themselves.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020, the structure of the information by business se</font><font style='font-family:Arial;font-size:8pt;' >gments of the BBVA Group remains</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >the same as that of</font><font style='font-family:Arial;font-size:8pt;' > the closing of 2019 financial year. The BBVA Group&#39;s operating segments are summarized below:</font></p></div><p style='line-height:20pt;' /><div><p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Spain</font></span></p></div><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' >I</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ncludes mainly the banking and insurance business that the Group carries ou</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >t in Spain.</font></p><p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >The United States</font></span></p><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' >I</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ncludes the business activity of BBVA USA and th</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >e activity of the branch of BBVA Spain in New York.</font></p><p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Mexico</font></span></p><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' >I</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ncludes banking and insurance businesses in this country as well as the acti</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >vity of BBVA Mexico in Houston.</font></p><p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Turkey</font></span></p><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' >R</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >eports the activity of Garanti BBVA group that is mainly carried out in this cou</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ntry and, to a lesser extent, </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >in Romania and the Netherlands.</font></p><p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >South America</font></span></p><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' >Primari</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ly </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >includes </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >the Group&#180;s banking and insurance businesses in the region.</font></p><p style='display:flex;margin-left:17.85pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:35.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >Rest of Eurasia</font></span></p><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:34.85pt;color:#000000;' >I</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ncludes the banking business activity carried out by the Group in Asia and Europe, </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >excluding Spain.</font></p><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Corporate Center performs centralized Group functions, including: the costs of the head offices with a corporate function</font><font style='font-family:Arial;font-size:8pt;' >,</font><font style='font-family:Arial;font-size:8pt;' > management of str</font><font style='font-family:Arial;font-size:8pt;' >uctural exchange rate positions</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >and </font><font style='font-family:Arial;font-size:8pt;' >some equity</font><font style='font-family:Arial;font-size:8pt;' > instruments issuances to support</font><font style='font-family:Arial;font-size:8pt;' > an adequate manage</font><font style='font-family:Arial;font-size:8pt;' >ment of the Group&#39;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</font><font style='font-family:Arial;font-size:8pt;' > assets.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the BBVA Group&#8217;s total assets by operating segments as of June 30, 2020 and December 31, 2019, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Total assets by operating segments (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >419,475</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >365,380</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >101,118</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >88,529</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >103,671</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >109,079</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63,525</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >64,416</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >57,891</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >54,996</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Eurasia</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26,805</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >23,257</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal assets by operating segments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >772,485</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >705,656</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Corporate Center and adjustments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(18,661)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,967)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total assets BBVA Group</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >753,824</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >698,690</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The following</font><font style='font-family:Arial;font-size:8pt;' > table sets forth certain summarized information relating to the income of each operating segment and Corporate Center for the six months ended June 30, 2020 and 2019</font><font style='font-family:Arial;font-size:8pt;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='9' rowspan='1' style='width:491.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:491.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Main margins and profit by operating segments (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td colspan='6' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:279pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Operating segments</font></td><td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:33.75pt;' ><td style='width:119.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >BBVA Group</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Spain</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >The United </font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >States</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Mexico</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Turkey</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >South America</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Rest</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >of</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Eurasia</font></td><td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Corporate Center</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Net interest income</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,653</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,793</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,133</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,717</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,534</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,443</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >102</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(69)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gross income</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,045</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,900</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,607</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,550</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,957</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,664</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >268</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >98</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Operating income</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,533</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,371</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >648</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,349</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,394</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >945</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >131</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(307)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Profit/(loss) before tax</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(368)</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >124</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >891</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >715</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >297</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >89</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2,500)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Net attributable profit (loss)</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(1,157)</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >88</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >26</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >654</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >266</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >159</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >66</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(2,416)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Net interest income</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,941</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,763</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,217</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,042</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,353</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,613</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >85</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(132)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gross income</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,944</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,773</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,615</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,901</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,677</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,994</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >220</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(236)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Operating income</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,069</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,145</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >655</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,611</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,084</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,215</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >78</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(718)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Profit/(loss) before tax</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,052</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,027</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >363</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,783</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >726</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >847</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >69</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(762)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Net attributable profit (loss)</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,442</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >734</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >297</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,287</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >282</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >404</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >55</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(616)</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Operatingsegmentsreportingabstract">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Operatingsegmentsreportingabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for operating segments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Section Disclosure<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;doctype=Standard&amp;dita_xref=IFRS08_g20-24_TI<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174704328">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 6 - Risk Management<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialRiskManagementExplanatory', window );">Risk Management Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >6.    </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >Risk management</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The principles and risk management policies, as well as tools and procedures established and implemented in the Group as of June 30, 2020 do not differ significantly from those included </font><font style='font-family:Arial;font-size:8pt;' >in Note 7 </font><font style='font-family:Arial;font-size:8pt;' >in the consolidated Financial Statements of the Group for the year ended December 31, 2019. Since January 1, 2020, the main changes were due to the effects of the COVID-19 pandemic, as detailed in these consolidated Financial Statements.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >6.1    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Risk factors</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA</font><font style='font-family:Arial;font-size:8pt;' > Group</font><font style='font-family:Arial;font-size:8pt;' > has processes in place for identifying risks and analyzing scenarios in order to enable the Group to manage risks in a dynamic and proactive way.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The risk identification processes are forward looking to seek the identification of emerging </font><font style='font-family:Arial;font-size:8pt;' >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 style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Risks are identified and measured consistently using the methodologies d</font><font style='font-family:Arial;font-size:8pt;' >eemed appropriate in each case. Their measurement includes the design and application of scenario analyses and stress testing and considers the controls to</font><font style='font-family:Arial;font-size:8pt;' > which the risks are subjected.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As part of this process, a forward projection of the risk appetite fr</font><font style='font-family:Arial;font-size:8pt;' >amework 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 </font><font style='font-family:Arial;font-size:8pt;' >within the target risk profile.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In this c</font><font style='font-family:Arial;font-size:8pt;' >ontext, t</font><font style='font-family:Arial;font-size:8pt;' >here are a number of </font><font style='font-family:Arial;font-size:8pt;' >emerging </font><font style='font-family:Arial;font-size:8pt;' >risks that could affect the </font><font style='font-family:Arial;font-size:8pt;' >evolution of the </font><font style='font-family:Arial;font-size:8pt;' >Group&#39;s </font><font style='font-family:Arial;font-size:8pt;' >business, including the below</font><font style='font-family:Arial;font-size:8pt;' >:</font></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:0pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The coronavirus (COVID-19) pandemic i</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >s adversely affecting the Group</font></span></p></div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' >The coronavirus (COVID-19) pandemic has affected, and is expected to continue to adversely affect, the world economy and economic activity and conditions in the countries in which the Group operates, leading many of them to economic recession. Among other </font><font style='font-family:Arial;font-size:8pt;' >challenges, these countries are experiencing widespread increases in unemployment levels and falls in production, while public debt has increased significantly due to support and spending measures implemented by government authorities. In addition, there h</font><font style='font-family:Arial;font-size:8pt;' >as been an increase in debt defaults by both companies and individuals, volatility in the financial markets, volatility in exchange rates and falls in the value of assets and investments, all of which have adversely affected the Group&#8217;s results in the firs</font><font style='font-family:Arial;font-size:8pt;' >t six months of 2020, and are expected to continue affecting the Group&#8217;s results in the future</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' >Furthermore, the Group may be affected by the measures adopted by regulatory authorities in the banking sector, including but not limited to, the recent reducti</font><font style='font-family:Arial;font-size:8pt;' >ons in reference interest rates, the relaxation of prudential requirements, the suspension of dividend payments until October 1, 2020, the adoption of moratorium measures for bank customers (such as those included in Royal Decree Law 11/2020 in Spain, as w</font><font style='font-family:Arial;font-size:8pt;' >ell as in the CECA-AEB agreement to which BBVA has adhered and which, among other things, allows loan debtors to extend maturities and defer interest payments) and facilities to grant credit with the benefit of public guarantees, especially to companies an</font><font style='font-family:Arial;font-size:8pt;' >d self-employed individuals, as well as changes in the financial asset purchase programs</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' >Since the outbreak of COVID-19, the Group has experienced a decline in its activity. For example, the granting of new loans to individuals has significantly decreased</font><font style='font-family:Arial;font-size:8pt;' > since the beginning of the state of emergency or periods of confinement decreed in certain countries in which the Group operates. In addition, the Group faces various risks, such as an increased risk of deterioration in the value of its assets (including </font><font style='font-family:Arial;font-size:8pt;' >financial instruments valued at fair value, which may suffer significant fluctuations) and of the securities held for liquidity reasons, a possible significant increase in non-performing loans and a negative impact on the Group&#8217;s cost of financing and on i</font><font style='font-family:Arial;font-size:8pt;' >ts access to financing (especially in an environment where credit ratings are affected). </font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' >In addition, in several of the countries in which the Group operates, including Spain, the Group has temporarily closed a significant number of its offices and reduce</font><font style='font-family:Arial;font-size:8pt;' >d hours of working with the public, and the teams that provide central services have been working remotely. </font><font style='font-family:Arial;font-size:8pt;' >T</font><font style='font-family:Arial;font-size:8pt;' >hese measures are being gradually reversed in some regions, such as Spain, </font><font style='font-family:Arial;font-size:8pt;' >however, </font><font style='font-family:Arial;font-size:8pt;' >due to the continued expansion of the COVID-19 pandemic, it is </font><font style='font-family:Arial;font-size:8pt;' >unclear how long it will take for normal operations to be fully resumed. The COVID-19 pandemic could also adversely affect the business and operations of third parties that provide critical services to the Group and, in particular, the greater demand and/o</font><font style='font-family:Arial;font-size:8pt;' >r reduced availability of certain resources could in some cases make it more difficult for the Group to maintain the required service levels. Furthermore, the increase in remote working has increased the risks related to cybersecurity, as the use of non-co</font><font style='font-family:Arial;font-size:8pt;' >rporate networks has increased.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' >As a result of the above, while the impact of the COVID-19 pandemic only started to be evident at the end of the first quarter of 2020, it has had a</font><font style='font-family:Arial;font-size:8pt;' >n</font><font style='font-family:Arial;font-size:8pt;' > adverse effect on the Group&#39;s results for the first half of 2020, as well </font><font style='font-family:Arial;font-size:8pt;' >as on the Group&#39;s capital base as of June 30, 2020. The main accumulated impacts have been</font><font style='font-family:Arial;font-size:8pt;' >:</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' >(i)    </font><font style='font-family:Arial;font-size:8pt;' >an</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >increase in the cost of risk associated with the lending activity, mainly due to the deterioration of the macroeconomic environment, which has had a negative impact of &#8364;2,009 million in the Group (including the initial adverse effect of deferment of payment) and provisions for credit risk and contingent commitments for &#8364;95 million. (See Notes 6.2, 41 and 42); and</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' >(ii)   </font><font style='font-family:Arial;font-size:8pt;' >a </font><font style='font-family:Arial;font-size:8pt;' >deterioration in the goodwill of the Group&#39;s subsidiary in the United States, mainly due to the deterioration of the macroeconomic scenario in the United States, which has had a net negative impact of </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >2,084 million on the Group&#39;s attributed profit in this period (although this impact does not affect the tangible book value, nor the solvency or the liquidity of the </font><font style='font-family:Arial;font-size:8pt;' >Group) (see Notes 17.1 and 44)</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:53.85pt;' >The final magnitude of the impact of the COVID-19 pandemic on the Group&#39;s business, financial condition and results of operations, which is expecte</font><font style='font-family:Arial;font-size:8pt;' >d to be significant, will depend on future and uncertain events, including the intensity and persistence over time of the consequences arising from the COVID-19 pandemic in the different geographies in which the Group operates.</font></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:0pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Macroeconomic and </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >geopolitical risks</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Global economy is being severely affected by the COVID-19 pandemic, which has spread to most countries around the world and is affecting their economies in stag</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >es due to the lockdown measures </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >that</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > restrict business, and impact consumer and business confidence. Although many countries in East Asia and Europe now seem to be over the worst of the pandemic and have reopened their economies, it is still spreading in much of the American continent. Gover</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >nments and central banks have generally implemented fiscal and monetary stimulus measures, which are helping to mitigate the economic impact, but this will not prevent the global economy from entering in a recession </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >during the second half of</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > the year</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Duri</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ng the second quarter of 2020, the financial markets have generally remained stable due to the actions of the central banks in the developed countries (announcements of asset purchases, lending facilities, interest rate reductions) and various fiscal stimu</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >lus packages announced by governments. In addition, the relaxing of the lockdown taking place in most countries and the corresponding upturn in economic activity have contributed to improving economic confidence and activity. With respect to the latter, th</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >e indicators generally show that the contraction until April was sharper than expected, but that the improvement since May has been robust and relatively widespread, especially in the developed economies where support through the policies has been more sig</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >nificant and effective.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In terms of global growth, BBVA Research expects a V-shaped recovery in economic activity, although without reaching pre-crisis GDP levels. This recovery will be slower than expected and will vary across the different regions. BBVA </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >Research&#39;s baseline scenario is based on the assumption that there will be further waves of infections until a vaccine or treatment for COVID-19 becomes available, without it resulting in strict lockdown measures. As a result, growth forecasts have been re</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >vised downward in 2020 and upward in 2021, with a higher cumulative loss of GDP over the two-year period, especially in emerging countries. More specifically, BBVA Research has adjusted its global growth forecast from -2.4% to around -3.1% in 2020 and from</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > 4.8% to 5.1% in 2021. However, one should keep in mind that epidemiological, economic, financial and geopolitical factors will lead to uncertainty remaining at exceptionally high levels and this will be a source of risk to economic forecasts.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >With regard </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >to the banking system, in an environment in which much of the economic activity has been at a standstill for several months, banking services have played an essential role, fundamentally for two reasons: first, the banks have ensured the proper functioning</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > of collections and payments for households and companies, thereby contributing to the maintenance of economic activity; second, the granting of new lending or the renewal of existing lending has reduced the impact of the economic slowdown on households an</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >d business incomes. In the current situation, it is very important to ensure that the temporary liquidity problems faced by companies do not become solvency problems, thus jeopardizing their survival and the jobs they create. As a result, the support provi</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ded by the banks during the months of lockdown and the public guarantees have been essential, as the banks have been the only source of financing for most of the companies.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Although in terms of profitability, European and Spanish banks are still far from t</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >he levels seen before the crisis, due mainly to their accumulation of capital and the low interest rate environment we have been experiencing for some time now, the financial institutions are facing this challenge from a healthy position since their solven</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >cy has been constantly improving since the 2008 crisis, with increased capital and liquidity buffers and therefore a greater capacity to lend.</font></span></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:0pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Regulatory and reputational risks</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial institutions are exposed to a complex and ever-changing regulatory </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >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 moni</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >tors 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 </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >criteria in its implementation.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The financial sector is under ever closer scrutiny by r</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >egulators, 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 me</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >mbers are governed by the principles of integrity, honesty, long-term vision and industry practices through, inter alia, the internal control model, the Code of Conduct, the Corporate Principles in tax matters and Responsible Business Strategy of the Group</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></span></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:0pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Busine</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ss, operational and legal risks</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >New technologies and forms of customer relationships: Developments </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >in the digital world and in information technologies pose significant challenges for financial institutions, entailing threats (new competitors, disintermediation, etc.) but also opportunities (new framework of relations with customers, greater ability to </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >adapt to their needs, new products and distribution channels, etc.). Digital transformation is a priority for the Group as it aims to lead digital banking of the f</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >uture as one of its objectives.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Technological risks and security breaches: The Group is expos</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ed 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</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > operational and technologi</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >cal risk management and control</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >financial sector faces an environment of increasing regulatory and litigious pressure, and thus, the various Group entities are usually party to individual or collective judicial proceedings (including class actions) resulting from their activity and operations, as well as arbitration proceedings. The Group is also party to other government procedures and investigations, such as those carried out by the antitrust authorities in certain countries which, among other things, have in the past and could in the future result into sanctions, as well as lead to claims by customers and others. In addition, the regulatory framework, in the jurisdictions in which the Group operates, is evolving towards a supervisory approach more focused on the opening of sanctioning proceedings while some regulators are focusing their attention on consumer protection a</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >nd behavio</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ral </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >risk.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In Spain and in other jurisdictions where the Group operates, legal and regulatory act</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ions and proceedings against financial institutions, prompted in part by certain judgments in favor of consumers handed down by national and supranational courts, have increased significantly in recent years and this trend could continue in the future. The</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > legal and regulatory actions and proceedings faced by other financial institutions in relation to these and other matters, especially if such actions or proceedings result in favorable resolutions for the consumer, could a</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >lso adversely affect the Group.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:71.75pt;color:#000000;' >In </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >relation to consumer mortgage loan contracts linked to the index known as IRPH (average rate of mortgage loans over three years for free home purchase), considered &#8220;official interest rate &#8221;By the mortgage transparency regulations, calculated by the Bank</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > of Spain and published in the Official State Gazette, on 14 December 2017 the Supreme Court issued judgment 669/2017 in which it confirmed that it was not possible to determine the lack of transparency of the interest rate of the loan by the mere fact of </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >its reference to one or the other official index, nor therefore its abuse according to Directive 93/13. In a separate legal proceeding, albeit concerning the same clause, the matter was referred to the Court of Justice of the European Union, raising a prel</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >iminary question in which the application of the aforementioned IRPH index and the decision of the Supreme Court on the matter was questioned again. On March 3, 2020, the Court of Justice of the European Union resolved the referred question for a prelimina</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ry ruling</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:71.75pt;color:#000000;' >In </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >that resolution, the Court of Justice of the European Union concludes that the main elements relating to the calculation of the saving banks IRPH index used by the bank to which the question referred (Bankia, SA) refers were contained in </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >Circular 8/1990 of the Banco de Espa&#241;a published in the Official State Gazette allowed consumers to understand the calculation of said index. Additionally, the Court of Justice of the European Union indicates that the national court must verify whether the</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > entity to which the resolution refers complied with the information obligations established by national regulations. In the event that the entity had not complied with the applicable transparency regulations, the resolution does not declare the contract n</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ull and void but rather establishes that the national court could replace the IRPH index applied in the case prosecuted for a substitute index. The resolution sets forth that, in the absence of an agreement to the contrary of the parties to the contract, t</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >he referred substitute index could be the IRPH index for credit entities in Spain (as established in the fifteenth additional provision of Law 14/2013, of September 27, 2013). BBVA considers that the ruling of the Court of Justice of the European Union sho</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >uld not have significant effects on the Group&#39;s business, financial situation or results of operations</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:71.7pt;color:#000000;' >Additionally, there are also claims before the Spanish courts that question the application of certain interest rates and other mandatory rules to certa</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >in revolving credit card agreements. On March 4, 2020, the Supreme Court has issued judgment (number 149/2020) in which it confirms the nullity of a revolving credit agreement through the use of a card signed by another entity (Wizink Bank) as the remunera</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >tive interest is considered usurious. In said judgment, the Supreme Court recognizes that the reference to the &#8220;normal interest on money&#8221; to be used for this product must be the average interest applicable to credit card and revolving credit operations pub</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >lished in the statistics of the Bank of Spain and that it is somewhat higher than 20% per year. In the specific case, the Supreme Court has considered a rate of 26.82% as usurious compared to 20% of the average interest. The Supreme Court concludes that fo</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >r an interest rate to be usurious, must be &quot;manifestly disproportionate to the circumstances of the case&quot;, so that the sentence limits its effects to the case analyzed, and the marketing by financial entities of this product must be analyzed, case by case.</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > BBVA considers that the ruling of the Supreme Court should not have significant effects on the Group&#39;s business, financial situation or results of operations.</font></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >All of the above may result in a significant increase in operating and compliance costs or even </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >a reduction of revenues, and it is possible that an adverse outcome in any proceedings (depending on the amount thereof, the penalties imposed or the procedural or management costs for the Group) could damage the Group&#39;s reputation, generate a knock-on eff</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ect or otherwise adversely affect the Group.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >It is difficult to predict the outcome of legal and regulatory actions and proceedings, both those to which the Group is currently exposed and those that may arise in the future, including actions and </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >proceedings relating to former Group subsidiaries or in respect of which the Group may have indemnification obligations, but such outcome could be significantly adverse to the Group. In addition, a decision in any matter, whether against the Group or again</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >st another credit entity facing similar claims as those faced by the Group, could give rise to other claims against the Group. In addition, these actions and proceedings attract resources from the Group and may occupy a great deal of attention on part of t</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >he Gr</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >oup&#39;s management and employees.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >As of</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > June </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >30, </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >2020, the Group had </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >&#8364;738</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > million in provisions for the proceedings it is facing (included in the line &quot;Provisions for litigation and pending tax cases&quot; in</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > the consolidated balance </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >sheet) (see Note 23).</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > However, the uncertainty arising from these proceedings (including those for which no provisions have been made, either because it is not possible to estimate them or for other reasons) makes it impossible to guarantee that the possible losses arising from these proceedings will not exceed, where applicable, the amounts that the Group currently has provisioned and, therefore, could affect the Group&#39;s </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >consolidated </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >results in a given period.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Legal and regulatory actions and proceedings currently faced by the</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > Group or to which it may become subject in the future or otherwise affected by, individually or in the aggregate, if resolved in whole or in part adversely to the Group&#180;s interests, could have a material adverse effect on the Group&#8217;s business, financial c</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ondition and results of operations.</font></span></p><p style='display:flex;margin-left:53.85pt;text-align:justify;margin-top:10pt;margin-bottom:10pt;' ><span style='min-width:71.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spanish judicial authorities are investigating the activities of Centro Exclusivo de Negocios y Transacciones, S.L. (&#8220;Cenyt&#8221;). Such investigation includes the provision of services by Cenyt to BBVA. On July 29, 2019, BBV</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >A was named as an investigated party (investigado) in a criminal judicial investigation (Preliminary Proceeding No. 96/2017 &#8211; Piece No. 9, Central Investigating Court No. 6 of the National High Court) for alleged facts which could represent the crimes of b</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ribery, revelation of secrets and corruption. As of the date of the approval of these consolidated Financial Statements, no formal accusation against BBVA has been made. Certain current and former officers and employees of the BBVA Group, as well as former</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > director</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >s</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >, have also been named as investigated parties in connection with this investigation. BBVA has been and continues to be proactively collaborating with the Spanish judicial authorities, including sharing with the courts information from its on-goi</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ng forensic investigation regarding its relationship with Cenyt. BBVA has also testified before the judge and prosecutors at the request of the Central Investigating Court No. 6 of the National High Court. On February 3, 2020, BBVA was notified by the Cent</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ral Investigating Court No. 6 of the National High Court of the order lifting the secrecy of the proceedings. This criminal judicial proceeding is at a preliminary stage. Therefore, it is not possible at this time to predict the scope or duration of such p</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >roceeding or any related proceeding or its or their possible outcomes or implications for the Group, including any fines, damages or harm to the Group&#8217;s reputation caused thereby.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >6.2    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Credit risk</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The banks are a key part of the solution to the COVID-19 </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >crisis. Specifically, BBVA, has activated support initiatives with a focus on the most affected customers, regardless of whether they are companies, SMEs, self-employed workers or private individuals. The following are just some of those initiatives:</font></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In Sp</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ain, credit facilities for SMEs and self-employed workers, and credit guaranteed by the Instituto de Cr&#233;dito Oficial (&#8220;ICO&#8221;), deferment of pension payments and unemployment benefits, credit guaranteed by the ICO for rent payment and deferment of insurance </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >and </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >credit cards payments, and repayment deferments periods on loans to consumers and companies.</font></span></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In the United States, flexibility in the repayment of loans for small businesses and for consumer finance, and the removal of certain fees for individual custo</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >mers;</font></span></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In Mexico, a repayment deferment on various credit products, a fixed payment plan to reduce monthly credit card charges, interruption of point of sale fees to support retailers with lower turnover and certain plans to support larger corporate custome</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >rs;</font></span></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In Turkey, delay of loan repayments, </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >interests and amortizations.</font></span></p><p style='display:flex;margin-left:28.35pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:56.7pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In South America, some countries such as Argentina have provided a credit facility for micro-SMEs to help them purchase remote work equipment and credit facilities for payroll payments; </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >Colombia has frozen repayments for up to six months on loans to individuals and companies, and is offering a special working capital facility for companies; and in Peru, various initiatives have been approved to support SMEs, and recent credit facilities a</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >nd credit cards have been approved in order to support consumers.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >amount of deferment of payments (existing and completed) and the financing  granted with public guarantees given at a Group level, as well as the number of customers of both measures, as of June 30, 2020 are as follows</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >:</font></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='9' rowspan='1' style='width:606pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:606pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >COVID-19 support programs  (Millions of Euros) </font></td></tr><tr style='height:27pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:10pt;color:#000000;' ></font></td><td colspan='4' rowspan='1' style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:267pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Deferment of payments</font></td><td colspan='2' rowspan='1' style='width:133.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Financing with </font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >public guarantees</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td></tr><tr style='height:45pt;' ><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Existing </font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Completed</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total </font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Number of</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' > customers</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total </font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Number of</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >customers</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total </font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >deferment of payments</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' > and guarantees</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >(%) credit investment</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >Group </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >29,668  </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,590  </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >36,259  </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,138,894</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,791  </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >196,186</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >50,050  </font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11.9%</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The </font><font style='font-family:Arial;font-size:8pt;' >amount of deferment of payments (existing and completed) and financing granted with public guarantees given at a Group level, broken down by segment, as of June 30, 2020 are as follow</font><font style='font-family:Arial;font-size:8pt;' >s:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='5' rowspan='1' style='width:417pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >COVID-19 support programs  (Millions of Euros) </font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:10pt;color:#000000;' ></font></td><td colspan='3' rowspan='1' style='width:173.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:173.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Deferment of payments</font></td><td colspan='1' rowspan='2' style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Financing with</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' > public guarantees</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:57.75pt;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:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Existing </font></td><td style='width:57.75pt;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:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Completed</font></td><td style='width:57.75pt;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:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Group</font></td><td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >29,668</font></td><td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,590</font></td><td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >36,259</font></td><td style='width:82.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >13,791</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Customers</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17,975</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,563</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >21,538</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >863</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mortgages</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,318</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,152</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,470</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >SMEs</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,397</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >792</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,189</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,723</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,006</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,221</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,227</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,126</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >290</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >304</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >79</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The adoption of deferment of payment measures for bank customers in the different countries in which the Group operates (such as those included in Royal Decree Law 11/2020, as well as in the CECA-AEB agreement to which BBVA has adher</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ed to in Spain) results in the temporary suspension, total or partial, of the contractual obligations with a deferral for a specific period of time. According to IFRS 9, when a deferment of payment does not generate interest collection rights, a temporary </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >loss of value is triggered for the operation, which is calculated as the difference in current value of the original and modified cash flows, both discounted at the effective interest rate of the original operation. The difference is recognized at the orig</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >inal time in the income statement under the heading &#8220;Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification&#8221; and its counterpart is a correction of the asset value of the lo</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ans. From that point on, said correction accrues as net interest income at the original effective interest rate within the period of the deferment of payment. Thus, at the end of the moratorium period, the impact on net attributed profit is neutral</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The qu</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >antitative information on refinancing and restructuring operations</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > is presented in the Appendix </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >I &#8220;Quantitative information refinancing and restructuring operations and other requirement under Bank of Spain Circular 6/2012&#8221;.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#004580;' >6.2.1    </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' >Measurement</font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' > of</font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' > Expected Credit Loss (ECL)</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 (inclu</font><font style='font-family:Arial;font-size:8pt;' >ding the economic forecast</font><font style='font-family:Arial;font-size:8pt;' >), all based on the information that is available at a certain time and that is reasonable and bearable regarding future economic conditions.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Therefore the recognition and measurement of expected credit loss (ECL) is highly comple</font><font style='font-family:Arial;font-size:8pt;' >x and involves the use of significant analysis and estimation including formulation and incorporation of forward-looking economic conditions into ECL.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >Risk Parameters Adjusted by Macroeconomic Scenarios</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Expected credit loss (ECL) must include forward looki</font><font style='font-family:Arial;font-size:8pt;' >ng 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, </font><font style='font-family:Arial;font-size:8pt;' >also </font><font style='font-family:Arial;font-size:8pt;' >including forward-looking macroeconomic information. BBVA</font><font style='font-family:Arial;font-size:8pt;' > uses the classical credit risk parameters PD, LGD and EAD in order to calculate the ECL for the credit portfolios.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA&#180;s methodological approach in order to incorporate the forward looking information aims to determine the relation between macroeconomic </font><font style='font-family:Arial;font-size:8pt;' >variables and risk parameters following three main steps:</font></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Step 1: Analysis and transformation of time series data.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Step 2: For each dependent variable find conditional forecasting models that are economically consistent.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Step 3: Select the best conditional</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > forecasting model from the set of candidates defined in Step 2, based on their forecasting capacity.</font></span></p></div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >How economic scenarios are reflected in calculation of ECL</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The forward looking component is added to the calculation of the ECL through the introduction </font><font style='font-family:Arial;font-size:8pt;' >of macroeconomic scenarios as an input. Inputs highly depend on the particular combination of region and portfolio, so inputs are adapted to available data regarding each of them.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Based on economic theory and analysis, the main indicators most directly rel</font><font style='font-family:Arial;font-size:8pt;' >evant for explaining and forecasting the selected risk pa</font><font style='font-family:Arial;font-size:8pt;' >rameters (PD, LGD and EAD) are:</font></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The net income of families, corporates or public administrations.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The outstanding payment amounts on the principal and interes</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >t on the financial instruments.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The value</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > of the collateral assets pledged to the loan.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA Group approximates these variables by using a proxy indicator from the set included in the macroeconomic scenarios provided by </font><font style='font-family:Arial;font-size:8pt;' >BBVA Research</font><font style='font-family:Arial;font-size:8pt;' > department.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Only a single specific indicator for each of the </font><font style='font-family:Arial;font-size:8pt;' >three categories can be used and only one of the following core macroeconomic indicators should be chosen as first option:</font></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The real GDP growth for the purpose of conditional forecasting can be seen as the only &#8220;factor&#8221; required for capturing the influence </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >of all potentially relevant macro-financial scenarios on internal PDs and LGD.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The most representative short term interest rate (typically the policy rate or the most liquid sovereign yield or interbank rate) or exchange rates expressed in real terms.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >A </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >comprehensive and representative index of the price of real estate properties expressed in real terms in the case of mortgage loans and a representative and real term index of the price of the relevant commodity for corporate loan portfolios concentrated i</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >n exporters or producers of such commodity.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 </font><font style='font-family:Arial;font-size:8pt;' >macroeconomic scenarios.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >Multiple scenario approach</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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</font><font style='font-family:Arial;font-size:8pt;' > of future economic conditions.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 </font><font style='font-family:Arial;font-size:8pt;' >Group</font><font style='font-family:Arial;font-size:8pt;' >, such as budgeting, ICAAP and risk appetite framework, stress testi</font><font style='font-family:Arial;font-size:8pt;' >ng, etc.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Additionally, </font><font style='font-family:Arial;font-size:8pt;' >the BBVA Research teams produce</font><font style='font-family:Arial;font-size:8pt;' > alternative scenarios to the baseline scenario so as to meet the requirements under the IFRS 9 standard.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >Alternative macroeconomic scenarios</font></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >For each of the macro-financial variables, BBVA Res</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >earch produces three scenarios.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Research tracks, analyzes and forecasts the economic environment to provide a consistent forward looking assessment about the most likely scenario and risks that impact BBVA&#8217;s footprint. To build economic scenarios, BBVA </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >Research combines official data, econometric</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > techniques and expert judg</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ment</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >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></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The non-line</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >arity overlay is defined as the ratio between the probability-weighted ECL under the alternative scenarios and the baseline scenario, where the scenario&#8217;s probability depends on the distance of the alternative scenarios from the base one.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Group </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >establishes equally weighted scenarios, being the probability 34% for the baseline scenario, 33% for the worst alternative scenario and 33% for the best alternative scenario.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA Group considers three prospective macroeconomic scenarios that it updates pe</font><font style='font-family:Arial;font-size:8pt;' >riodically (currently quarterly). BBVA Research forecasts a maximum of five years for macroeconomic variables</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The approach in BBVA consists of using the scenario that is the most likely scenario, which is the baseline scenario, consistent with the rest of</font><font style='font-family:Arial;font-size:8pt;' > 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 style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >It is important to note that in general, it is expected that the </font><font style='font-family:Arial;font-size:8pt;' >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></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >Macroeconomic </font><font style='font-family:Arial;font-size:8pt;color:#004580;' >scenarios as a result of the COVID-19 pandemic</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The COVID-19 pandemic has generated a macroeconomic uncertainty situation with a direct impact on credit risk of the entities, particularly, on the expected credit losses under IFRS9. Even if the situation is </font><font style='font-family:Arial;font-size:8pt;' >unclear and of an unforeseeable time length, the expectation </font><font style='font-family:Arial;font-size:8pt;' >is</font><font style='font-family:Arial;font-size:8pt;' > that this situation will provoke a severe recession followed by an economic recovery, which will not achieve the pre-crisis GDP levels in the short-term, supported by the measures issued by go</font><font style='font-family:Arial;font-size:8pt;' >vernments and monetary authorities.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >This situation has allowed the accounting authorities and the banking supervisors to adopt measures in order to mitigate the impacts that this crisis could imply on the calculation of expected credit losses under IFRS9 a</font><font style='font-family:Arial;font-size:8pt;' >s well as on solvency, urging:</font></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:17.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >the entities to mitigate the potential procyclicality of the accounting regulation,</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:17.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >the governments to adopt measures to avoid the effects of impairment,</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:17.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;' >the entities to develop managerial measures as the design of specific</font><font style='font-family:Arial;font-size:8pt;' > products adapted to the situation which could occur during this crisis.</font></span></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Almost all accounting and prudential authorities have coordinately issued recommendations or measures within the COVID-19 crisis framework regarding the estimation of the expected los</font><font style='font-family:Arial;font-size:8pt;' >ses under IFRS9.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The common denominator of all of these recommendations is that, given the difficulty to elaborate reliable macroeconomic forecasts, the transitory term of the economic shock and the need to incorporate the effect of the mitigating measures</font><font style='font-family:Arial;font-size:8pt;' > issued by the governments, a review the automatic application of the models in order to balance them and increase the weight of the long-term macroeconomic forecasts in the calculation of the expected losses is needed. As a result, the expected results ov</font><font style='font-family:Arial;font-size:8pt;' >er the lifetime of the transactions will have more weight than the short-term macroeconomic impact.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In this respect, the BBVA Group has taken into account those recommendations in the calculation of the expected credit losses under IFRS 9, considering that</font><font style='font-family:Arial;font-size:8pt;' > the economic situation caused by the COVID-19 pandemic is transitory and will be followed by a recovery, even if there is uncertainty over the level and the time period of such uncertainty. As a consequence, different scenarios have been taken into consid</font><font style='font-family:Arial;font-size:8pt;' >eration in the calculation of expected losses, registering the model management believes suits best the current economic situation and the combined recommendations issued by the authorities. In addition to the outcome of the calculation of the scenarios, i</font><font style='font-family:Arial;font-size:8pt;' >ndividual analysis of exposures which could be most affected by the circumstances caused by the COVID-19, have been taken into account.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The </font><font style='font-family:Arial;font-size:8pt;' >estimate for the next five years of the Gross Domestic Product (GDP), of the variation in the unemployment rate and of the House Price Index (HPI), for the most relevant countries where it represents a significant factor, is determined by BBVA Research and it has been used at the time of the calculation of the </font><font style='font-family:Arial;font-size:8pt;' >expected credit loss as of June</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >30, </font><font style='font-family:Arial;font-size:8pt;' >2020</font><font style='font-family:Arial;font-size:8pt;' >:</font></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='10' rowspan='1' style='width:615pt;text-align:left;vertical-align:bottom;background-color:#E9E9E9;border-color:Black;min-width:615pt;' ><font style='font-family:Arial;font-size:6pt;color:#02A5A5;' >Estimate of GDP, unemployment rate and HPR for the main geographies</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' ></font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Spain</font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Mexico</font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >The United States</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Date</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >HPR</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >HPR</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >HPR</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2020</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(11.54%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >20.49%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(4.08%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(9.97%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.59%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.02%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(4.40%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7.82%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(0.33%)</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2021</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >17.33%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(5.24%)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.08%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.45%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(1.53%)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.58%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >5.02%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(0.39%)</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2022</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.94%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >15.68%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >6.28%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.18%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.03%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >0.09%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.36%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.24%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.86%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2023</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.09%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >14.42%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >5.01%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.49%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.06%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(0.02%)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.08%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.09%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.59%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2024</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.07%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >13.25%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.65%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.05%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >0.67%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.09%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.10%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.14%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2025</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.00%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >12.11%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.11%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.46%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.02%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >0.95%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.11%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.10%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.55%</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Peru</font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Argentina</font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Colombia</font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Turkey</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Date</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2020</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(14.97%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >30.07%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(5.94%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >14.23%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(3.07%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >16.95%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >0.15%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >14.03%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2021</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >8.86%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >13.10%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.54%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.98%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >14.13%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >5.04%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >13.43%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2022</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.48%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.02%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.23%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.64%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.81%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.78%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2023</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.68%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.39%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.96%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >9.70%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.32%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.63%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.52%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.38%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2024</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.63%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.30%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.97%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >8.75%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.47%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.42%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.51%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.23%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2025</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.21%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.20%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.99%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7.78%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.70%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.22%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.50%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.03%</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#004580;' >6.2.2    </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' >Credit risk exposure</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In accordance with IFRS 7 &#8220;Financial Instruments: Disclosures&#8221;, the BBVA Group&#8217;s credit risk exposure by headings in the balance sheets as of June 30, 2020 and December 31, 2019 is provided below. It does not consider the loss allowances and the availabili</font><font style='font-family:Arial;font-size:8pt;' >ty of collateral or other </font><font style='font-family:Arial;font-size:8pt;' >credit enhancements to enable</font><font style='font-family:Arial;font-size:8pt;' > compliance with payment obligations. The details are broken down by the nature of the financial instruments and counterparties:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='6' rowspan='1' style='width:490.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:490.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#02A5A5;' >Maximum credit risk exposure (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 3</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets held for trading </font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >70,093</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >26,640</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >5,862</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >37,591</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >4,998</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >690</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >250</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,058</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' >11</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >1,098</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Derivatives (trading and hedging) </font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >51,649</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >70,207</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >68,385</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >68,079</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >5</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >301</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >12</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,789</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >12</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets at amortized cost</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >463,887</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >413,517</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >34,686</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >15,684</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to central banks</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,792</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,792</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >14,859</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >14,822</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >32</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >400,764</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >350,558</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,568</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >15,637</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >43,473</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >43,346</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >86</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >41</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Total financial assets risk</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >661,932</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Total loan commitments and financial guarantees</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >184,046</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >171,130</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >11,987</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >929</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loan commitments given</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >134,494</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >126,310</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7,957</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >227</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Financial guarantees given</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10,989</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9,709</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,020</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >261</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Other commitments given</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >38,563</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >35,111</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,010</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >441</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total maximum credit exposure</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >845,978</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='6' rowspan='1' style='width:490.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:490.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#02A5A5;' >Maximum credit risk exposure (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 3</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets held for trading </font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >69,503</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >26,309</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >8,892</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,303</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >5,557</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,120</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >110</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,327</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' >11</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >1,214</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Derivatives (trading and hedging) </font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >39,462</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >61,293</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >58,841</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >58,590</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >250</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >12</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,420</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >12</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets at amortized cost</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >451,640</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >402,024</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >33,624</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >15,993</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to central banks</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,285</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,285</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >13,664</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >13,500</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >158</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >394,763</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >345,449</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33,360</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >15,954</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >38,930</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >38,790</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >106</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Total financial assets risk</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >628,670</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Total loan commitments and financial guarantees</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >181,116</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >169,663</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >10,452</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >1,001</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loan commitments given</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >130,923</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >123,707</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6,945</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >270</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Financial guarantees given</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10,984</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9,804</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >955</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >224</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Other commitments given</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >39,209</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >36,151</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,552</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >506</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total maximum credit exposure</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >809,786</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown </font><font style='font-family:Arial;font-size:8pt;' >by geographical location and Stage of the maximum credit risk exposure, the accumulated allowances recorded and the carrying amount of the loans and advances to customers at amortized cost as of June 30, 2020 and December 31, 2019 is shown below:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='13' rowspan='1' style='width:571.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:571.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#02A5A5;' >June 2020 (Millions of Euros)</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' ></font></td><td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Gross exposure</font></td><td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Accumulated allowances</font></td><td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Carrying amount</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#072146;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Spain (*)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >206,649</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >184,249</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >14,077</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >8,323</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(5,734)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(824)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(785)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(4,125)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >200,915</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >183,425</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >13,292</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,198</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >The United States</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >61,572</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >52,860</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7,939</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >773</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,028)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(317)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(471)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(240)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >60,544</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >52,542</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7,468</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >533</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Mexico</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >51,414</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >45,386</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,833</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,194</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,972)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(761)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(459)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(752)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >49,442</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >44,626</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,374</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >442</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Turkey (**)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >44,061</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >36,113</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,417</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,532</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(2,865)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(215)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(600)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(2,050)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >41,196</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >35,898</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,817</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,482</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >South America (***)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >36,202</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >31,099</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,298</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,804</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,944)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(390)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(422)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,131)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,258</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30,709</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,876</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >672</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Others </font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >866</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >851</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >5</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(9)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(7)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >857</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >850</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total (****)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >400,764</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >350,558</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >34,568</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >15,637</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(13,552)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(2,508)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(2,736)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(8,307)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >387,212</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >348,050</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >31,832</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >7,330</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)     </font><font style='font-family:Arial;font-size:6pt;' >Spain includes all the countries where BBVA, S.A. operates</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(**)    </font><font style='font-family:Arial;font-size:6pt;' >Turkey includes all the countries in which Garanti BBVA operates</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(***)   </font><font style='font-family:Arial;font-size:6pt;' >In South America, BBVA Group operates in Argentina, Chile, Colombia, Paraguay, Peru, Uruguay and Venezuela</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(****)  </font><font style='font-family:Arial;font-size:6pt;' >The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation (PPA) and were originated mainly in the acquisition of Catalunya Banc S.A. (as of June 30, 2020, the remaining balance was &#8364;399 million). These valuation adjustments are recognized in the </font><font style='font-family:Arial;font-size:6pt;' >consolidated </font><font style='font-family:Arial;font-size:6pt;' >income statement during the residual life of the instrument or applied as allowances in the value of the financial instrument when the losses materialize.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='13' rowspan='1' style='width:799.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:799.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#02A5A5;' >December 2019 (Millions of Euros)</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Gross exposure</font></td><td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Accumulated allowances</font></td><td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Carrying amount</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Spain (*)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >197,058</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >173,843</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >14,599</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >8,616</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(5,311)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(712)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(661)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(3,939)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >191,747</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >173,131</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >13,939</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,677</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >The United States</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >57,387</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >49,744</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7,011</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >632</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(688)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(165)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(342)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(182)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >56,699</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >49,580</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6,670</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >450</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Mexico</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >60,099</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >54,748</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,873</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,478</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(2,013)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(697)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(404)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(912)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >58,087</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >54,052</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,469</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >566</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Turkey (**)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >43,113</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,536</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >5,127</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,451</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(2,613)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(189)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(450)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,974)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >40,500</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,347</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,677</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,477</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >South America (***)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >36,265</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >31,754</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,742</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,769</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,769)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(366)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(323)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,079)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,497</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >31,388</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,419</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >690</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Others </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >839</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >824</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(8)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(6)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >832</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >823</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total (****)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >394,763</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >345,449</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >33,360</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >15,954</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(12,402)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(2,129)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(2,181)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(8,093)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >382,360</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >343,320</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >31,179</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >7,861</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)     </font><font style='font-family:Arial;font-size:6pt;' >Spain includes all the countries where BBVA, S.A. operates</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(**)    </font><font style='font-family:Arial;font-size:6pt;' >Turkey includes all the countries in which Garanti BBVA operates</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(***)   </font><font style='font-family:Arial;font-size:6pt;' >In South America, BBVA Group operates in Argentina, Chile, Colombia, Paraguay, Peru, Uruguay and Venezuela</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(****)  </font><font style='font-family:Arial;font-size:6pt;' >The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation (PPA) and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2019, the remaining balance was &#8364;433 million). These valuation adjustments are recognized in the </font><font style='font-family:Arial;font-size:6pt;' >consolidated </font><font style='font-family:Arial;font-size:6pt;' >income statement during the residual life of the instrument or applied as allowances in the value of the financial instrument when the losses materialize.</font><font style='font-family:Arial;font-size:6pt;' >
</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The </font><font style='font-family:Arial;font-size:8pt;' >breakdown by counterparty and product of loans and advances, net of loss allowances, as well as the gross carrying amount by type of product, classified in different headings of the assets, as of June 30, 2020 and December 31, 2019 is shown </font><font style='font-family:Arial;font-size:8pt;' >below</font><font style='font-family:Arial;font-size:8pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:8.25pt;' ><td colspan='9' rowspan='1' style='width:755.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:755.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#02A5A5;' >June 2020 (Millions of Euros)</font></td></tr><tr style='height:29.25pt;' ><td style='width:203.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Central banks</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >General governments</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Credit institutions</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Other financial corporations</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Non-financial corporations</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Households</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Gross carrying amount</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By product</font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >On demand and short notice</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >37</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >164</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >2,126</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >516</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >2,844</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,048</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Credit card debt</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >9</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,555</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >11,717</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >13,283</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,486</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Commercial debtors</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >796</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >470</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >12,805</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >71</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,142</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,444</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Finance leases</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >195</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >5</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >7,561</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >351</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,113</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,474</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Reverse repurchase loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >430</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >2,269</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >887</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >60</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,647</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,656</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Other term loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >4,311</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >25,930</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,793</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,518</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >153,588</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >154,750</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >350,890</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >362,342</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Advances that are not loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >32</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >377</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,812</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,489</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,437</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >486</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,632</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,688</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >LOANS AND ADVANCES</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >4,773</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >27,343</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >14,875</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >13,535</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >179,132</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >167,892</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >407,549</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >421,137</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By secured loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: mortgage loans collateralized by immovable property</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >953</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >300</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >30,850</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >106,609</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >138,712</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >142,457</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: other collateralized loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >430</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >4,660</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >1,763</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >1,629</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >16,238</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >4,675</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >29,396</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >29,986</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By purpose of the loan</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: credit for consumption</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >43,048</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >43,048</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >46,148</font></td></tr><tr style='height:12.75pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: lending for house purchase</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >108,159</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >108,159</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >110,005</font></td></tr><tr style='height:12.75pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By subordination</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: project finance loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,047</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,047</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,328</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='9' rowspan='1' style='width:765.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:765.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#02A5A5;' >December 2019 (Millions of Euros)</font></td></tr><tr style='height:24.75pt;' ><td style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Central banks</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >General governments</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Credit institutions</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Other financial corporations</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Non-financial corporations</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Households</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Gross carrying amount</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By product</font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >On demand and short notice</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >9</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >118</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >2,328</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >595</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,050</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,251</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Credit card debt</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >10</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,940</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,401</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >16,355</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >17,608</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Commercial debtors </font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >971</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >230</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >15,976</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >99</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >17,276</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >17,617</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Finance leases</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >227</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >6</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,091</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >387</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,711</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >9,095</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Reverse repurchase loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,817</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >26</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,843</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,848</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Other term loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >4,240</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >26,734</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >4,121</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >7,795</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >137,934</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >160,223</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >341,047</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >351,230</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Advances that are not loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >35</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >865</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >7,743</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,056</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >951</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >506</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >13,156</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >13,214</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >LOANS AND ADVANCES</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >4,275</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >28,816</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >13,682</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >11,208</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >167,246</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >176,211</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >401,438</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >413,863</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By secured loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: mortgage loans collateralized by immovable property</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >1,067</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >15</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >261</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >23,575</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >111,085</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >136,003</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >139,317</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: other collateralized loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >10,447</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >93</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >2,106</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >29,009</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >6,893</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >48,548</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >49,266</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By purpose of the loan</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: credit for consumption</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >46,356</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >46,356</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >49,474</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: lending for house purchase</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >110,178</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >110,178</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >111,636</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By subordination</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: project finance loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,259</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,259</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,415</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;line-height:13.8pt;' ></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The value of guarantees received as of June 30, 2020 and December 31, 2019, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Guarantees received (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Value of collateral</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >157,585 </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >152,454 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: guarantees normal risks under special monitoring</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >14,983 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >14,623 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: guarantees non-performing risks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >4,204 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >4,590 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Value of other guarantees</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >55,840 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >35,464 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: guarantees normal risks under special monitoring</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >4,239 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >3,306 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: guarantees non-performing risks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >559 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >542 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total value of guarantees received</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >213,425 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >187,918 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#004580;' >6.2.3    </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' >Impaired secured loans </font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The breakdown of loans and advances, within </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >the heading &#8220;Financial assets at amortized cost&#8221;, non-performing and accumulated impairment, as well as the gross carrying amount, by counterparties as of June 30, 2020 and December 31, 2019, is as follows</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.15pt;' ><td colspan='5' rowspan='1' style='width:538.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:538.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >June 2020 (Millions of Euros)</font></td></tr><tr style='height:45pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Gross carrying amount</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Non-performing loans and advances</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Accumulated impairment</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Non-performing loans and advances as a % of the total</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Central banks</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,792</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27,342</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >77</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(83)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.3%</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,859</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(17)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,585</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(50)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.1%</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >185,821</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,190</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(7,224)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.4%</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >174,015</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,352</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,195)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.2%</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >LOANS AND ADVANCES</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >420,414</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15,643</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(13,588)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3.7%</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='5' rowspan='1' style='width:538.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:538.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >December 2019 (Millions of Euros)</font></td></tr><tr style='height:45pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Gross carrying amount</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Non-performing loans and advances</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Accumulated impairment </font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Non-performing loans and advances as a % of the total</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Central Banks</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,285</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,281</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >88</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(60)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.3%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,664</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(15)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,239</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(31)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.2%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >173,254</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,467</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,465)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.9%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >181,989</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,381</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5,847)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.1%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >LOANS AND ADVANCES</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >412,711</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15,959</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,427)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3.9%</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The changes during the six months ended June 30, 2020 and the year ended December 31, 2019 </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >of impaired financial assets</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > (financial assets and guarantees given) are as follows</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Changes in impaired financial assets and guarantees given (Millions of Euros)</font></td></tr><tr style='height:27.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the beginning </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >16,770</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >17,134</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Additions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,581</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,857</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Decreases (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2,517)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5,874)</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Net additions</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,064</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,983</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Amounts written-off</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,778)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(3,803)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exchange differences and other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(322)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(544)</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the end </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >16,734</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >16,770</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)</font><font style='font-family:Arial;font-size:6pt;' > Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the period as a result of mortgage foreclosures and real estate assets received in lieu of payment as well as monetary recoveries.</font><font style='font-family:Arial;font-size:6pt;' >
</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#004580;' >6.2.4    </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#004580;' >Loss allowances</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Below are the changes in the six months ended June 30, 2020 and the year ended December 31, 2019 in the </font><font style='font-family:Arial;font-size:8pt;' >loss allowances</font><font style='font-family:Arial;font-size:8pt;' > recognized on the accompanying consolidated balance sheets to cover the estimated loss allowances in loans and advances of financi</font><font style='font-family:Arial;font-size:8pt;' >al assets at amortized cost:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Changes in loss allowances of loans and advances at amortized cost (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><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:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the beginning of the period </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,427)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,217)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Increase in loss allowances charged to income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,723)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(10,236)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,603)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,650)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,771)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,923)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(3,350)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,664)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Decrease in loss allowances charged to income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,070</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,990</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >960</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,312</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >812</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,298</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,298</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,380</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transfer to written-off loans, exchange differences and other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,493</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,036</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' > Closing balance</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(13,588)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,427)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >6.3    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Liquidity and funding risk</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Since the beginning of March, the global crisis caused by COVID-19 has had a significant impact on financial markets. The effects of this crisis on the Group&#39;s </font><font style='font-family:Arial;font-size:8pt;' >consolidated balance sheets have fundamentally been felt initially through increased drawdowns of credit facilities by wholesale customers in the face of worsening funding conditions in the markets, with no significant effect in the retail world. In view o</font><font style='font-family:Arial;font-size:8pt;' >f this situation, there was a joint response by various central banks, through specific measures and programs to facilitate the funding of the real economy and the provision of liquidity in the financial markets. During the second quarter, significant net </font><font style='font-family:Arial;font-size:8pt;' >repayments were made by certain wholesale customers who had drawn down credit facilities during the first quarter of the year</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA Group&#180;s liquidity position in every geographical area allows its regulatory ratios to be above the minimum required</font><font style='font-family:Arial;font-size:8pt;' >:</font></p><p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Group&#39;s liquidity coverage ratio (LCR) remained significantly above 100% and stood at 159% as of June 30, 2020. For the calculation of this ratio, it is assumed that there is no transfer of liquidity among subsidiaries; i.e. no kind of excess liquidit</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >y levels in foreign subsidiaries are considered in the calculation of the consolidated ratio. When considering these excess liquidity levels, the BBVA Group&#39;s LCR would stand at 191% (32 percentage points above 159%). In addition, it exceeded 100% in all s</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ubsidiaries</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></span></p><p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The Net Stable Funding Ratio (NSFR), defined as the ratio between the amount of stable funding available and the amount of stable funding required, is one of the Basel Committee&#39;s essential reforms, and requires banks to maintain a stable fund</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ing profile in relation to the composition of their assets and off-balance sheet activities. This ratio should be at least 100% at all times. At the BBVA Group, the NSFR, calculated according to the Basel requirements, remained above 100% throughout </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >2019</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > a</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >nd stood at </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >124</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >% as of June 30, 2020</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></span></p></div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The wholesale funding markets in which the Group operates were affected by the events of COVID-19 and secondary market prices suffered a material correction as a result of the increased volatility. This led to a </font><font style='font-family:Arial;font-size:8pt;' >significant increase in the issue premiums and levels of access to the primary market. While certain degrees of volatility are still notable, this situation has been stabilizing and prices in the secondary market have been correcting themselves.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The main t</font><font style='font-family:Arial;font-size:8pt;' >ransactions carried out by the companies that form part of the BBVA Group </font><font style='font-family:Arial;font-size:8pt;' >in the first half of 2020 were:</font></p><p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >During </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >the first quarter of 2020, BBVA, S.A. carried out two issuances of senior non-preferred debt totaling &#8364;1,400 million and a Tier 2 issuance tota</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ling &#8364;1,000 million. In the second quarter of 2020, it issued preferred senior debt totaling &#8364;1,000 million as a COVID-19 social bond, the first of its kind from a private financial institution in Europe. In July 2020 two issuances were made: the first, is</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > the first green convertible bond (CoCo) ever issued by a financial institution worldwide for the amount of &#8364;1,000 million, with a coupon of 6% and an option for early amortization in five and a half years (see Note 50); and the second, a subordinated debt</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > issuance of Tier 2 in Pounds sterling, for the amount of 300 million, to a term of eleven years and option of amortization to the sixth, with a coupon of </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >3.104</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >%.</font></span></p><p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In Mexico, a local senior issuance was carried out in February 2020 for MXN 15,000 million </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >(&#8364;578 million</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > in euros</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >) in three tranches. Two tranches in Mexican pesos over 3 and 5 years (one for MXN 7,123 million at the Interbank Equilibrium Interest Rate (TIIE) 28 + 5 basis points and another for MXN 6,000 million at TIIE 28 + 15 basis points, res</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >pectively), and another tranche in US dollars over 3 years (USD 100 million at 3-</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >month Libor + 49 basis points)</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></span></p><p style='display:flex;margin-left:18pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:36pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >In Turkey, Garanti BBVA carried out a Tier 2 issuance for TRY 750 millio</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >n in the first quarter of 2020</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >. In the second quarter of 2020, Garanti </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA renewed a syndicated loan by issuing the first green syndicated loan indexed to sustainability criteria, and in whose renovation the EBRD -European Bank for Reconstruction and Development- and the IFC -International Finance Corporation- have participa</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ted</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >.</font></span></p><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the entity's financial risk management practices and policies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176647944">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 - Fair Value<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsDesignatedAsMeasuredAtFairValueAbstract', window );"><strong>Fair Value Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementExplanatory', window );">Fair Value Measurement</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >7.    Fair value</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > of financial instruments</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The criteria and valuation methods used to calculate the fair value of financial assets as of June 30, 2020 do not differ significantly from those included in</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >Note 8 from the consolidated financial s</font><font style='font-family:Arial;font-size:8pt;' >tatements for the year ended December 31, 2019.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The </font><font style='font-family:Arial;font-size:8pt;' >techniques and unobservable inputs used for the valuation of the financial instruments classified in the fair value hierarchy as Level 3, do not significantly differ from those det</font><font style='font-family:Arial;font-size:8pt;' >ailed in Note 8 of the consolidated financial statements for the year 2019 Nevertheless, the level of significance of the unobservable inputs used to determine the hierarchy of the fair value of loans and advances to customers at amortized cost has been re</font><font style='font-family:Arial;font-size:8pt;' >vised, resulting in greater exposure classified as level 3</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The effect on the consolidated income statements and on the consolidated equity, resulting from changing the main assumptions used in the valuation of Level 3 financial instruments for other reaso</font><font style='font-family:Arial;font-size:8pt;' >nably possible assumptions, does not differ significantly from that detailed in Note </font><font style='font-family:Arial;font-size:8pt;' >8 of the consolidated financial s</font><font style='font-family:Arial;font-size:8pt;' >tatements for the year 2019.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Below is a comparison of the carrying amount of the Group&#8217;s financial instruments in the accompanying consoli</font><font style='font-family:Arial;font-size:8pt;' >dated balance sheets and their respective fair values as of June 30, 2020 and December 31, 2019:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:636.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:636.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fair value and carrying amount (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:329.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December  2019</font></td></tr><tr style='height:30pt;' ><td style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Carrying Amount</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair Value</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Carrying Amount</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair Value</font></td></tr><tr style='height:11.25pt;' ><td style='width:329.25pt;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:329.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >ASSETS</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash, cash balances at central banks and other demand deposits</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >65,877</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >65,877</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44,303</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44,303</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets held for trading</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >119,332</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >119,332</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >102,688</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >102,688</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,998</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,998</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,557</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,557</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,098</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,098</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,214</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,214</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >70,045</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >70,045</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >61,183</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >61,183</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at amortized cost</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >450,222</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >452,719</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >439,162</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >442,788</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives - Hedge accounting</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,531</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,531</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,729</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,729</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >LIABILITIES</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities held for trading </font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >108,624</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >108,624</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >89,633</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >89,633</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value through profit or loss </font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,203</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,203</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,010</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,010</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities at amortized cost </font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >21</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >559,713</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >557,678</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >516,641</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >515,910</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives - Hedge accounting</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,368</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,368</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,233</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,233</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The following table shows the financial instruments in the accompanying consolidated balance sheets, broken down by the measurement tec</font><font style='font-family:Arial;font-size:8pt;' >hnique used to determine their fair value as of June 30, 2020 and December 31, 2019:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='7' rowspan='1' style='width:724.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:724.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fair value of financial instruments by levels (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#094FA4;' ></font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 1</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 2</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 3</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 1</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 2</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 3</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;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:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >ASSETS</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Cash, cash balances at central banks and other demand deposits</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >65,686</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >191</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >44,111</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >192</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial assets held for trading</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >30,604</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >86,964</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,763</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >31,135</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >70,045</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,508</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,483</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33,848</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,261</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >697</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >32,321</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,285</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt securities </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,246</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,304</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >89</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18,076</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,178</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Equity instruments </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,751</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >82</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,832</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >59</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Derivatives</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,124</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >41,785</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >331</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,530</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >29,546</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >109</font></td></tr><tr style='height:22.5pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,629</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,224</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,145</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >4,305</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >92</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,160</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >152</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >538</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >82</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,038</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt securities </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >205</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >45</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >91</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Equity instruments</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,477</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,019</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >562</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,223</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >103</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >925</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >172</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,214</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt securities </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >925</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >172</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,214</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >57,066</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >12,129</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >849</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >50,896</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >9,203</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,084</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt securities </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55,780</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,990</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >452</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49,070</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,057</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >604</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Equity instruments</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,254</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >139</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >397</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,794</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >146</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >480</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial assets at amortized cost</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >32,880</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >26,566</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >393,273</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >29,391</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >217,279</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >196,119</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Derivatives &#8211; Hedge accounting</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >153</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,370</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >8</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >44</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,685</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >LIABILITIES</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial liabilities held for trading </font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >26,953</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >80,095</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,576</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >26,266</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >62,541</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >827</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Deposits</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,727</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >37,828</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,082</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,595</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >32,121</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >649</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Trading derivatives</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,612</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >41,048</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >494</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,425</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >30,419</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >175</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Short positions</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,614</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,219</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,246</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:20.1pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial liabilities designated at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >8,120</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,083</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >9,984</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >27</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Customer deposits</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >914</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >944</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt certificates</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,119</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,083</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,629</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other financial liabilities</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,087</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,410</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial liabilities at amortized cost </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >92,354</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >314,925</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >150,399</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >67,229</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >289,599</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >159,082</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Derivatives &#8211; Hedge accounting</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >48</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,287</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >34</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >30</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,192</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >11</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for fair value measurement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Section Disclosure<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;doctype=Standard&amp;dita_xref=IFRS13_g91-99_TI<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170698280">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 8 - Cash, Cash balances at central banks and other demand deposits<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfCashAndCashEquivalentsExplanatory', window );">Disclosure of Cash, cash balances at central banks and other demand deposits and financial liabilities measured at amortized cost.</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >8.    Cash, cash balances at central banks</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > and other demand deposits</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under the heading &#8220;Cash, cash balances at central </font><font style='font-family:Arial;font-size:8pt;' >banks and other demand deposits&#8221; in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Cash, cash balances at central banks and other demand deposits (Millions of Euros)</font></td></tr><tr style='height:24.95pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash on hand</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,669</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,060</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash balances at central banks (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >54,442</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >31,755</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other demand deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,766</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,488</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >65,877</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >44,303</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)   The variation corresponds mainly to the increase in cash held at the Bank of Spain.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of cash and cash equivalents. [Refer: Cash and cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197554776">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 9 - Financial assets and liabilities held for trading<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingAbstract', window );"><strong>Financial assets and liabilities held for trading</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsHeldForTradingExplanatory', window );">Financial Assets and Liabilities held for trading</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >9.    Financial assets and liabili</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >ties held for trading</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets and liabilities held for trading (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >ASSETS</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49,239</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33,185</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Equity instruments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,862</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,892</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26,640</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26,309</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Issued by central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1,125</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >840</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Issued by public administrations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >23,642</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >23,918</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Issued by financial institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >838</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >679</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other debt securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1,035</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >872</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >37,591</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >34,303</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances to central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >636</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >535</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Reverse repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >636</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >535</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances to credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >24,912</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >21,286</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Reverse repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >24,857</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >21,219</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >12,044</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >12,482</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Reverse repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >11,026</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >12,187</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total  assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >119,332</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >102,688</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >LIABILITIES</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >50,154</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >35,019</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Short positions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,832</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,249</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >46,637</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >42,365</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Deposits from central banks </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5,685</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >7,635</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >5,685</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >7,635</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Deposits from credit institutions </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >28,617</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >24,969</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >28,214</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >24,578</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Customer deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >12,335</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >9,761</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >12,271</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >9,689</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total  liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >108,624</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >89,633</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)   The variation corresponds mainly to foreign exchange derivatives in BBVA S.A.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of financial instruments classified as held for trading. [Refer: Financial instruments, class [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 10 - Non-trading financial assets mandatorily at fair value throug profit or loss<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Nontradingfinancialassetsmandatoryatfairvaluethroughprofitorlossabstract', window );"><strong>Non trading financial assets mandatory at fair value through profit or loss Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofnontradingfinancialassetsmndatoryatfairvaluethroughprofitorlossexplanatory', window );">Disclosure of Non trading financial assets mandatory at fair value through profit or loss Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >10.</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >    Non-trading financial assets mandatorily at fair value through profit or loss</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:24.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:14.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Equity instruments</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,058</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,327</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt securities</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >250</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >110</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >690</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,120</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,998</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >5,557</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Text Block which displays the disclosure of non trading financial assets mandatory at fair value through profit or loss</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197558520">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 11 - Financial Instruments designated at fair value through profit or loss<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoffinancialassetsandliabilitiesdesignatedatfairvaluethroughprofitorlossabstract', window );"><strong>Financial assets and liabilities designated at fair value through profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory', window );">Disclosure of Financial Instruments designated at fair value through profit or loss</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >11.    Financial assets and</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > liabilities designated at fair value through profit or loss</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:24pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets and liabilities designated at fair value through profit or loss (Millions of Euros)</font></td></tr><tr style='height:18pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >ASSETS</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt securities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,098</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,214</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,098 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,214 </font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >LIABILITIES</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >914</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >944</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt certificates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,202</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,656</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial liabilities: Unit-linked products</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,087</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,410</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >9,203</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >10,010</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of financial instruments measured at fair value through profit or loss. [Refer: At fair value [member]; Financial instruments, class [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664173564616">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 12 - Financial assets at fair value through other comprehensive income<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofavailableforsalefinancialassetsthroughtothertcomprehensiveincomeexplanatory', window );">Financial assets at fair value through other comprehensive income</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >12.    Financial assets at fair value through </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >other comprehensive income</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >12.1    Breakdown of the balance</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance by type of financial instruments under these headings in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets at fair value through other comprehensive income (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:14.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Equity instruments</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,789</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,420</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt securities (*)</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >68,223</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >58,731</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >70,045</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >61,183</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: loss allowances of debt securities</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(162)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(110)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)</font><font style='font-family:Arial;font-size:6pt;' >The variation corresponds mainly to the increase in financial assets issued by governments in BBVA, S.A</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >12.2    Equity instruments</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under the heading &quot;Equity instruments&quot; of the accompanying consolidated balance sheets as of June 30, 2020</font><font style='font-family:Arial;font-size:8pt;' > and December 31, 2019, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='5' rowspan='1' style='width:391.5pt;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:391.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets at fair value through other comprehensive income. Equity instruments (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Amortized cost</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value </font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Amortized cost</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value </font></td></tr><tr style='height:13.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Listed equity instruments</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spanish companies shares</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,182</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,141</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,181</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,674</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Foreign companies shares</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >140</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >199</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >136</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >213</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >The United States</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >31</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >79</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >30</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >78</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Mexico</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >29</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >34</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Turkey</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >3</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >6</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >3</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Other countries</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >106</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >85</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >102</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >96</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal </font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,322</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,340</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,317</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,886</font></td></tr><tr style='height:13.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Unlisted equity instruments</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spanish companies shares</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Foreign companies shares </font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >376</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >444</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >450</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >528</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >The United States</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >318</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >351</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >387</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >419</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Mexico</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Turkey</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >6</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >9</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >9</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Other countries</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >52</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >83</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >57</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >99</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >381</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >449</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >454</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >533</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,703</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,789</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,772</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,420</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >12.3    Debt securities</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under the heading &quot;Debt securities&quot; of the accompanying consolidated balance sheets as of June 30, 2020 and December 31, 2019, is as f</font><font style='font-family:Arial;font-size:8pt;' >ollows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='5' rowspan='1' style='width:391.5pt;text-align:left;vertical-align:middle;background-color:#F2F2F2;border-color:Black;min-width:391.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets at fair value through other comprehensive income. Debt securities (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Amortized cost </font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Amortized cost </font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Domestic debt securities</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government and other government agency debt securities</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,151</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,913</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >20,740</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >21,550</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,050</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,110</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >959</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,024</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other issuers</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >899</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >936</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >907</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >947</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal </font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >30,100</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >30,959</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >22,607</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >23,521</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Foreign debt securities</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Mexico</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >7,224</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >7,375</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >7,790</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >7,786</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government and other government agency debt securities</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,359</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,527</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,869</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,868</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >62</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >77</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >78</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other issuers</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >803</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >786</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >843</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >840</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >The United States</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >10,267</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >10,421</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >11,376</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >11,393</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government securities </font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,572</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,698</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,570</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,599</font></td></tr><tr style='height:22.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Treasury and other government agencies</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >4,049</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >4,113</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5,595</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5,624</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >States and political subdivisions </font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >2,523</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >2,585</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >2,975</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >2,975</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >157</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >158</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >122</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >124</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other issuers</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,538</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,565</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,684</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,670</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Turkey</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,801</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,840</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,752</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,713</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government and other government agency debt securities</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,801</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,840</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,752</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,713</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Other countries</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >15,143</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >15,628</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >11,870</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >12,318</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other foreign governments and other government agency debt securities</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,519</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,861</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,963</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,269</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Central banks</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,481</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,484</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,005</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,010</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,425</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,517</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,795</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,892</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other issuers</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,717</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,766</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,106</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,147</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal </font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >36,436</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >37,264</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >34,788</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >35,210</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >66,536</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >68,223</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >57,395</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >58,731</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >
</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The credit ratings of the issuers of debt securities as of June 30, 2020 are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Debt securities by rating</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:133.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:133.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td></tr><tr style='height:33.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >(Millions of Euros)</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >%</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:9pt;color:#000000;' >AAA</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,806</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14.4%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >AA+</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >834</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1.2%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >AA</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >300</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.4%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >AA-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >626</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.9%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >A+</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,796</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5.6%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >A</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,180</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3.2%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:9pt;color:#000000;' >A-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >31,076</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >45.6%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBB+</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,442</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10.9%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBB</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,137</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.6%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBB-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,691</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5.4%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BB+ or below</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,925</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7.2%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:9pt;color:#000000;' >Unclassified</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >412</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.6%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >68,223</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >100.0%</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >12.4    Gains/losses</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#004580;' >Changes in gains/losses</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The changes in the gains/losses (net of taxes) during</font><font style='font-family:Arial;font-size:8pt;' > the six months ended June 30, 2020 and in the year ended December 31, 2019 of debt securities recognized under the equity heading &#8220;Accumulated other comprehensive income &#8211; Items that may be reclassified to profit or loss &#8211; Fair value changes of debt instr</font><font style='font-family:Arial;font-size:8pt;' >uments measured at fair value through other comprehensive income&#8221; and equity instruments recognized under the equity heading &#8220;Accumulated other comprehensive income &#8211; Items that will not be reclassified to profit or loss &#8211; Fair value changes of equity inst</font><font style='font-family:Arial;font-size:8pt;' >ruments measured at fair value through other comprehensive income&#8221; in the accompanying consolidated balance sheets are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:395.25pt;text-align:left;vertical-align:top;background-color:#E9E9E9;border-color:Black;min-width:395.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other comprehensive income - Changes in gains / losses (Millions of Euros)</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:10pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Debt securities </font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Equity instruments</font></td></tr><tr style='height:22.5pt;' ><td style='width:140.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:10pt;color:#000000;' ></font></td><td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the beginning </font></td><td style='width:51pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,760</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >943</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(403)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(155)</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Valuation gains and losses</font></td><td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:9pt;color:#004FA4;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >137</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,267</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(562)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(238)</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Amounts transferred to income</font></td><td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:9pt;color:#004FA4;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(71)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(119)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Income tax</font></td><td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:9pt;color:#004FA4;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(331)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(10)</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the end</font></td><td style='width:51pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >27</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,830</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,760</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(940)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(403)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >During the six months ended June 30, 2020 and 2019, the debt securities impaired recognized in t</font><font style='font-family:Arial;font-size:8pt;' >he heading &#8220;Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss net gains by modification&#8211; Financial assets at fair value through other comprehensive income&#8221; in the accompanying consolidated in</font><font style='font-family:Arial;font-size:8pt;' >come statement amounted to &#8364;71</font><font style='font-family:Arial;font-size:8pt;' > and 5 million, respectively (see Note 42) as a result</font><font style='font-family:Arial;font-size:8pt;' > of</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197938616">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 13 - Financial assets at amortised cost<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoffinancialassetsatamortisedcost', window );">Disclosure Of Financial Assets at amortized cost</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >13.    Financial assets at amortized cost</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >13.1    Breakdown of the balance</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under </font><font style='font-family:Arial;font-size:8pt;' >this heading in the accompanying consolidated balance sheets according to the nature of the financial instrument is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets at amortized cost (Millions of Euros)</font></td></tr><tr style='height:26.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >Debt securities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >43,396</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >38,877</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >Loans and advances to central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >4,773</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >4,275</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >Loans and advances to credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >14,842</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >13,649</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >387,212</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >382,360</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27,259</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,222</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,535</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,207</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >178,598</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >166,789</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >167,820</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >176,142</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >450,222</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >439,162</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: impaired assets of loans and advances to customers (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >15,637</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >15,954</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: loss allowances of loans and advances (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(13,588)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(12,427)</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: loss allowances of debt securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(77)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(52)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) See Note 6.2.</font></p><p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >During the six months ended June 30, 2020 and the year</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >ended December 31, </font><font style='font-family:Arial;font-size:8pt;' >2019, 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></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >13.2    Loans and advances to customers</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance </font><font style='font-family:Arial;font-size:8pt;' >under this heading in the accompanying consolidated balance sheets according to the nature of the financial instrument is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Loans and advances to customers (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >On demand and short notice</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:9pt;color:#094FA4;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,844</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,050</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit card debt</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,283</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >16,354</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Trade receivables</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,142</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17,276</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Finance leases</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,113</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,711</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Reverse repurchase agreements</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >947</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other term loans</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >342,180</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >332,160</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Advances that are not loans</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,704</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,784</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >387,212</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >382,360</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197942584">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 14 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskabstract', window );"><strong>Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskexplanatory', window );">Derivatives - Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >14.    Derivatives- Hedge accounting and fair value changes of the hedged items in </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >portfolio hedges of interest rate risk</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:23.25pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Derivatives &#8211; Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >ASSETS</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives - Hedge accounting</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#094FA4;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,531</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,729</font></td></tr><tr style='height:22.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value changes of the hedged items in portfolio hedges of interest rate risk</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#094FA4;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >60</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >LIABILITIES</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives - Hedge accounting</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#094FA4;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,368</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,233</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Text Block which displays the derivatives, hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176438296">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 15 - Investments in joint ventures and associates<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract', window );"><strong>Investments in subsidiaries, joint ventures and associates</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofinvestmentsinsubsidiariesjointventuresandassociatesexplanatory', window );">Investments in subsidiaries joint ventures and associates</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >15.    Investments </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >in joint ventures and associates</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of</font><font style='font-family:Arial;font-size:8pt;' > the balance of &#8220;Investments in joint ventures and associates&#8221; in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Joint ventures and associates (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Joint ventures</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >150</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >154</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Associates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,216</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,334</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,366</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,488</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Text Block which displays the Investments in subsidiaries, joint ventures and associates</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170631416">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 16 - Tangible assets<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoftangibleassetsabstract', window );"><strong>Tangible assets Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoftangibleassetsexplanatory', window );">Tangible Assets Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >16.    Tangible assets</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown and movement of the balance and changes of this heading in</font><font style='font-family:Arial;font-size:8pt;' > the accompanying consolidated balance sheets, according to the nature of the related items, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:bottom;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Tangible assets. Breakdown by type  (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Property plant and equipment </font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >8,796</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >9,816</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >For own use</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >8,578</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >9,554</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Land and buildings</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,584</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,001</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Work in progress</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >56</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Furniture, fixtures and vehicles</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,954</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,351</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Right to use assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,382</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,516</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accumulated depreciation</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5,957)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5,969)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(447)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(402)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Leased out under an operating lease</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >217</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >263</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Assets leased out under an operating lease</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >280</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >337</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accumulated depreciation</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(62)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(74)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Investment property</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >261</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >252</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Building rental </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >228</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >211</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Right to use assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >83</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >101</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accumulated depreciation</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(16)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(24)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(38)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(39)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >9,057</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >10,068</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170705880">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 17 - Intangible assets<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsExplanatory', window );">Intangible Assets Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >17.    Intangible</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > assets</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >17.1    Goodwill</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying </font><font style='font-family:Arial;font-size:8pt;' >consolidated balance sheets, according to the cash-generating unit (hereinafter &#8220;CGU&#8221;) to which goodwill has been allocated, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='9' rowspan='1' style='width:543pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:543pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Goodwill. Breakdown by CGU and changes of the period (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >The United States</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Turkey</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Mexico</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Colombia</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Chile</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Other</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance as of December 31, 2018</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >5,066</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >382</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >519</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >161</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >29</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >23</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,180</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exchange difference</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >98</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(36)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >31</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >93</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,318)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,318)</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance as of December 31, 2019</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,846</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >346</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >550</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >164</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >27</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >22</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,955</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exchange difference</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >58</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(45)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(100)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(21)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(111)</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2,084)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2,084)</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance as of June 30, 2020</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,820</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >301</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >450</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >143</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >25</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >21</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,760</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#004580;' >Impairment test</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As mentioned in Note 2.2.8 of the consolidated Financial Statements of </font><font style='font-family:Arial;font-size:8pt;' >the year 2019</font><font style='font-family:Arial;font-size:8pt;' >, the 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 </font><font style='font-family:Arial;font-size:8pt;' >impairment.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The BBVA Group performs estimations on the recoverable amount of certain CGU&#180;s by calculating the value in use through the discounted value of future cash flows method.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The main hypotheses used for the value in use calculation are the following</font><font style='font-family:Arial;font-size:8pt;' >:</font></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The forecast cash flows, including net interest margin, estimated by the Group&#39;s management, and</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > based on the latest available financial s</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >tatements budgets for the next 3 to 5 years, considering the macroeconomic variables of each CGU, regarding the exis</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >ting balance structure as well as macroeconomic variables such as the evolution of interest rates and the CPI of the geography where the CGU is located, among others.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The constant growth rate for extrapolating cash flows, starting in the third or fifth yea</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >r, beyond the period covered by the budgets or forecasts.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >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 o</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >f the businesses evaluated.</font></span></p></div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The focus used by the Group&#39;s management to determine the values of the assumptions is based both on its projections and past experience. These values are verified and use external sources of information, wherever possible. Addi</font><font style='font-family:Arial;font-size:8pt;' >tionally, the valuations </font><font style='font-family:Arial;font-size:8pt;' >of the goodwill of the CGUs of t</font><font style='font-family:Arial;font-size:8pt;' >he United States and Turkey have been reviewed by independent experts (not the Group&#39;s external auditors) as of Marc</font><font style='font-family:Arial;font-size:8pt;' >h 31, 2020 and December 31, 2019</font><font style='font-family:Arial;font-size:8pt;' >. However, certain changes to the valuation assumpt</font><font style='font-family:Arial;font-size:8pt;' >ions used could cause differences in the impairment test result</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of December 31, 2019, the Group estimated impairment losses in the United States CGU of &#8364;1,318 million, which was mainly as a result of the negative evolution of interest rates, especially</font><font style='font-family:Arial;font-size:8pt;' > in the second half of the year, which accompanied by the slowdown of the economy caused the expected evolution of results below the previous estimation. This recognition did not affect the tangible book value nor the liquidity</font><font style='font-family:Arial;font-size:8pt;' > nor the capital</font><font style='font-family:Arial;font-size:8pt;' > of the BBVA </font><font style='font-family:Arial;font-size:8pt;' >Group</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of March 31, 2020, the Group identified an indicator of impairment of goodwill in the CGU and as a result of the goodwill impairment test, the Group estimated impairment in the United States CGU, of &#8364;2,084 million (see Note 44), which was mainly </font><font style='font-family:Arial;font-size:8pt;' >due to the negative impact of the update of the macroeconomic scenario following the COVID</font><font style='font-family:Arial;font-size:8pt;' >-</font><font style='font-family:Arial;font-size:8pt;' >19 pandemic (see Note 1.5) and the expected evolution of interest rates. This recognition did not affect the tangible book value nor the liquidity </font><font style='font-family:Arial;font-size:8pt;' >nor the capital </font><font style='font-family:Arial;font-size:8pt;' >of</font><font style='font-family:Arial;font-size:8pt;' > the BBVA Group</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020, as a result of the CGU&#180;s assessment, the Group concluded there is no evidence of further indicators of impairment losses that requires recognizing significant additional impairment losses in any of the CGUs where goodw</font><font style='font-family:Arial;font-size:8pt;' >ill that the Group has recognized in the consolidated balance sheet is allocated</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >Goodwill - The United States CGU</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The Group&#8217;s most significant goodwill corresponds to the CGU in the United States, the main significant assumptions used in the impairment te</font><font style='font-family:Arial;font-size:8pt;' >st as of March 31, 2020 of this mentioned CGU, were:</font></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Impairment test assumptions CGU goodwill in the United States </font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >March 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:15pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Discount rate</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10.3%</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10.0%</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Growth rate</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3.0%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3.5%</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In accordance with paragraph 33.c of IAS 36, as of March 31, 2020, the Group used a growth rate of 3.0% based on the real GDP growth rate of the United States, the expected </font><font style='font-family:Arial;font-size:8pt;' >inflation and the potential growth of the banking sector in the United States. This 3.0% rate is lower 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></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >T</font><font style='font-family:Arial;font-size:8pt;' >he assumptions with a greater relative weight and whose volatility could have a greater impact in determining the present value of the cash flows starting on the fifth year are the discount rate and the growth rate. Below is shown the increased (or decreas</font><font style='font-family:Arial;font-size:8pt;' >ed) amount of the CGU recoverable amount as a result of a reasonable variation (in basis points) of each of the key assumptions as of March 31, 2020:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:437.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:437.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Sensitivity analysis for main assumptions - The United States (Millions of Euros)</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Increase of 50 basis points (*)</font></td><td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Decrease of 50 basis points (*)</font></td></tr><tr style='height:21pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Discount rate</font></td><td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(755)</font></td><td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >869</font></td></tr><tr style='height:19.5pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Growth rate</font></td><td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >270</font></td><td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(235)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)   Based on historical changes, the use of 50 basis points to calculate the</font><font style='font-family:Arial;font-size:6pt;' > sensitivity analysis would be a reasonable variation with respect to the observed variations over the last five years</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >Goodwill - Turkey CGU</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The main significant assumptions used in the impairment test as of March 31, 2020 of the CGU of Turkey, were:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Impairment test assumptions CGU goodwill in Turkey</font></td></tr><tr style='height:29.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >March 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:14.45pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Discount rate</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18.1%</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17.4%</font></td></tr><tr style='height:14.45pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Growth rate</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7.0%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7.0%</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Given the potential growth of the sector in Turkey, in accordance with paragraph 33.c of IAS 36, as of March 31, 2020 and December 31, 2019, the Group used a growth rate of 7.0% based on the real GDP growth rate of Turkey and </font><font style='font-family:Arial;font-size:8pt;' >expected inflation.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 growth rate. Below is shown the increased </font><font style='font-family:Arial;font-size:8pt;' >(or decreased) amount of the recoverable amount as a result of a reasonable variati</font><font style='font-family:Arial;font-size:8pt;' >on (in basis points) of each of the key assumptions as of March 31, 2020:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:400.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:400.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Sensitivity analysis for main assumptions - Turkey (Millions of Euros)</font></td></tr><tr style='height:41.25pt;' ><td style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Impact of an increase of 50 basis points </font></td><td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Impact of a decrease of 50 basis points </font></td></tr><tr style='height:12.75pt;' ><td style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Discount rate</font></td><td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(166)</font></td><td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >183</font></td></tr><tr style='height:24.75pt;' ><td style='width:103.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Growth rate</font></td><td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >23</font></td><td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(21)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >Goodwill - Other CGUs</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The sensitivity analysis on the main hypotheses c</font><font style='font-family:Arial;font-size:8pt;' >arried out for the rest of the CGUs of the Group indicate that their value in use would continue to exceed their book value.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >17.2    Other intangible assets</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance and changes of this heading in the accompanying consolidated balance </font><font style='font-family:Arial;font-size:8pt;' >sheets, according to the nature of the related items, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other intangible assets (Millions of Euros)</font></td></tr><tr style='height:27.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Computer software acquisition expense</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,532</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,598</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other intangible assets with an infinite useful life</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other intangible assets with a definite useful life</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >320</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >401</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,863</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,010</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for intangible assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2019-01-01<br> -Section Disclosure<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2019-en-r&amp;doctype=Standard&amp;dita_xref=IAS38_g118-128_TI<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170631288">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 18 - Tax assets and Liabilities<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoftaxassetsandliabiltiiesexplanatory', window );">Disclosure Of Tax Assets And Liabiltiies Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >18.    Tax assets and liabilities</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >18.1    Consolidated tax group</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Pursuant to current legislation, BBVA consolidated tax group in Spain includes the Ban</font><font style='font-family:Arial;font-size:8pt;' >k (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></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The Group&#8217;s non-Spanish banks and subsidiaries file tax</font><font style='font-family:Arial;font-size:8pt;' > returns in accordance with the tax legislation in force in each country.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >18.2    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Current and deferred taxes</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The balance under the heading &quot;Tax assets&quot; in the accompanying consolidated balance sheets includes current and deferred tax assets. The balance un</font><font style='font-family:Arial;font-size:8pt;' >der 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></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Tax assets and liabilities (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Tax assets</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Current tax assets</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,182</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,765</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deferred tax assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,536</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,318</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >16,718</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >17,083</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Tax liabilities</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Current tax liabilities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >560</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >880</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deferred tax liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,968</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,928</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,529</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,808</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The Group has carried out an analysis of its rec</font><font style='font-family:Arial;font-size:8pt;' >overy of deferred tax assets and liabilities taking into account the impact of COVID-19 pandemic (see Note 1.5) in the Group&#39;s consolidated Financial Statements as of June 30, 2020, and in the projections of taxable income in the coming years, without any </font><font style='font-family:Arial;font-size:8pt;' >relevant effects on the recognition of deferred tax assets and liabilities, as of June 30, 2020</font><font style='font-family:Arial;font-size:8pt;' >.</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176261880">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 19 - Other assets and liabilities<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >19.    Other assets and liabilities</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other assets and liabilities (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >ASSETS</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Inventories</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >615</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >581</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transactions in progress</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >165</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >138</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accruals</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >929</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >804</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other items</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,651</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,277</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,360</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,800</font></td></tr><tr style='height:13.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >LIABILITIES</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transactions in progress</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >98</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accruals</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,040</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,456</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other items</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,969</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,247</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,107</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,742</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175056616">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 20 - Non-current assets and disposal groups classified as held for sale<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract', window );"><strong>Non-current assets and disposal groups classified as held for sale Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory', window );">Non-Current Assets and Disposal Groups Classified as Held for Sale. Breakdowm By Items</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >20.    Non-current assets and disposal groups classified as held for sale</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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</font><font style='font-family:Arial;font-size:8pt;' > balance sheets, broken down by the origin of the assets, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:18.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Non-current assets and disposal groups classified as held for sale. Breakdown by items (Millions of Euros)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' ></font></td></tr><tr style='height:20.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:10.5pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Foreclosures and recoveries</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,487</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,647</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Assets from tangible assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >300</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >310</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Business sale - Assets (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,728</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,716</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other assets classified as held for sale (**)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >279</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accrued amortization (***)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(54)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(51)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment losses </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(534)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(543)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,205</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,079</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)       </font><font style='font-family:Arial;font-size:6pt;' >It includes mainly BBVA&#8217;s stake in BBVA Paraguay (see Note 3).</font></p><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(**)     </font><font style='font-family:Arial;font-size:6pt;' >It includes mainly the agreement for the alliance with Allianz, </font><font style='font-family:Arial;font-size:6pt;' >Compa&#241;&#237;a de Seguros y Reaseguros, S.A (see Note 3).</font></p><p style='text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(***)   </font><font style='font-family:Arial;font-size:6pt;' >Accumulated amortization until related asset was reclassified as &#8220;Non-current assets and disposal groups held for sale&#8221;.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of non-current assets or disposal groups classified as held for sale. [Refer: Non-current assets or disposal groups classified as held for sale]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197963512">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 21 - Financial liabilities at amortized cost<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoffinancialliabilitiesatamortizedcostexplanatory', window );">Financial liabiltiies measured at amortized cost</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >21.    Financial liabilities at amortized cost</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >21.1    Breakdown of the </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >balance</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial liabilities measured at amortized cost (Millions of Euros)</font></td></tr><tr style='height:27.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >481,207</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >438,919</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits from central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >46,667</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25,950</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Demand deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >285</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >23</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Time deposits and other (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >41,040</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >25,101</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Repurchase agreements</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >5,341</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >826</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits from credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >32,356</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,751</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Demand deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >9,553</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >7,161</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Time deposits and other </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >19,062</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >18,896</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Repurchase agreements</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >3,742</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >2,693</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Customer deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >402,184</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >384,219</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Demand deposits (**)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >308,212</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >280,391</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Time deposits and other </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >93,671</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >103,293</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Repurchase agreements</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >301</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >535</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt certificates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >64,421</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63,963</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,085</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,758</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >559,713</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >516,641</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)   The variation corresponds mainly to the increase in time </font><font style='font-family:Arial;font-size:6pt;' >deposits of BBVA, S.A. in the </font><font style='font-family:Arial;font-size:6pt;' >European Central Bank through the financing program TLTRO III</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(**)  The variation corresponds mainly to the increase in customer demand deposits in BBVA, S.A.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >21.2    Deposits from credit institutions</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown by geographical area and the nature of t</font><font style='font-family:Arial;font-size:8pt;' >he related instruments of this heading in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Deposits from credit institutions. June 2020 (Millions of Euros)</font></td></tr><tr style='height:41.25pt;' ><td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Demand deposits</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Time deposits &amp; other(*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Repurchase agreements</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,017</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,466</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,483</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,990</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,238</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,228</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >354</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >557</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >84</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >995</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >192</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >493</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >713</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >421</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,779</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,205</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Europe</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,965</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,778</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,624</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,367</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of the world</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >613</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,751</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,364</font></td></tr><tr style='height:13.5pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >9,553</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >19,062</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,742</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >32,356</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) Subordinated deposits are included amounting to &#8364;196 million</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' ><font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' >Deposits from credit institutions. December 2019 (Millions of Euros)</font></td></tr><tr style='height:21pt;' ><td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Demand deposits </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Time deposits &amp; other (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Repurchase agreements</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,104</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,113</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,218</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,082</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,295</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,377</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >432</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,033</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >168</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,634</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >302</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >617</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >924</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >394</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,285</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >161</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,840</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Europe</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,652</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,180</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,358</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,190</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of the world</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >194</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,374</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,568</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >7,161</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >18,896</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,693</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >28,751</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) Subordinated deposits are </font><font style='font-family:Arial;font-size:6pt;' >included amounting to &#8364;195 million</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >21.3    Customer deposits</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Customer deposits. June 2020 (Millions of Euros)</font></td></tr><tr style='height:40.5pt;' ><td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Demand deposits</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Time deposits &amp; other</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Repurchase agreements</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >158,036</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,226</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >180,265</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >56,222</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19,498</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >75,720</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39,161</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,584</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >95</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >50,840</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17,696</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17,522</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >203</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >35,421</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26,510</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,012</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39,522</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Europe</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,644</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,418</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19,062</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of the world</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >943</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >411</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,354</font></td></tr><tr style='height:15pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >308,212</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >93,671</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >301</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >402,184</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Customer deposits. December 2019 (Millions of Euros)</font></td></tr><tr style='height:40.5pt;' ><td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Demand deposits</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Time deposits and other (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Repurchase agreements</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >146,651</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24,958</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >171,611</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >46,372</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19,810</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >66,181</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >43,326</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,714</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >523</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >56,564</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,775</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,257</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >36,042</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,748</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,913</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >36,661</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Europe</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,610</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,749</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,360</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of the world</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >909</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >892</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,801</font></td></tr><tr style='height:15pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >280,391</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >103,293</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >535</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >384,219</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) Subordinated deposits are included amounting to &#8364;189 million</font><font style='font-family:Arial;font-size:6pt;' >
</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >21.4    Debt certificates</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading, by financial instruments and by currency, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Debt certificates (Millions of Euros)</font></td></tr><tr style='height:27.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:13.5pt;' ><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:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In Euros</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >42,329</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >40,185</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Promissory bills and notes</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >718</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >737</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-convertible bonds and debentures</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,472</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,248</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Covered bonds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,232</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,542</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hybrid financial instruments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >405</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >518</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Securitization bonds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,900</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,354</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Wholesale funding</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,132</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,817</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Subordinated liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,470</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,968</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Convertible perpetual certificates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >3,500</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >5,000</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Non-convertible preferred stock</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >79</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >83</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other non-convertible subordinated liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >3,891</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >2,885</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In foreign currencies</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >22,092</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >23,778</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Promissory bills and notes</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,059</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,210</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-convertible bonds and debentures</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,364</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,587</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Covered bonds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >279</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >362</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hybrid financial instruments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >656</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,156</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Securitization bonds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Wholesale funding</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >512</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >780</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Subordinated liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,218</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,666</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Convertible perpetual certificates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >1,788</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >1,782</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Non- convertible preferred stock</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >53</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >76</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other non-convertible subordinated liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >7,377</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >7,808</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >  Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >64,421</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >63,963</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Most of </font><font style='font-family:Arial;font-size:8pt;' >the foreign currency issues are denominated in U.S. dollars.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >21.5    Other financial liabilities</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:321pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:321pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other financial liabilities (Millions of Euros)</font></td></tr><tr style='height:24.95pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Lease liabilities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,129</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,335</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Creditors for other financial liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,887</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,623</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Collection accounts</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,532</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,306</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Creditors for other payment obligations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,538</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,494</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >14,085</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >13,758</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197934056">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 22 - Assets and Liabilities under reinsurance and insurance contracts<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofliabilitiesunderinsurancecontractsandreinsurancecontractsissuedexplanatory', window );">Assets and Liabilities Under Reinsurance and Insurance Contracts</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >22.    </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >Assets and liabilities under insurance and reinsurance contracts</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 re</font><font style='font-family:Arial;font-size:8pt;' >ceive 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. As of June 30, 2020 and December 31, 2019, t</font><font style='font-family:Arial;font-size:8pt;' >he balance under this heading amounted to &#8364;332 million and &#8364;341 million, respectively.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The most significant provisions recognized by consolidated insurance subsidiaries with respect to insurance policies issued by them are under the heading &#8220;Liabilities un</font><font style='font-family:Arial;font-size:8pt;' >der insurance and reinsurance contracts&#8221; in the accompanying consolidated balance sheets.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under the heading &#8220;Liabilities under reinsurance and insurance contracts&#8221; is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Liabilities under insurance and reinsurance contracts</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mathematical reserves (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,310</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,247</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provision for unpaid claims reported</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >652</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >641</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions for unexpired risks and other provisions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >500</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >718</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >9,462</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >10,606</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)    The </font><font style='font-family:Arial;font-size:6pt;' >variation corresponds mainly to the decrease in Mexico.</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176660920">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 23 - Provisions<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProvisionsAbstract', window );"><strong>Provisions or reversal of provisions Abstract</strong></a></td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofprovisions', window );">Disclosure of Provisions</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >23.    Provisions</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated balance sheets, based on type of provisions, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Provisions. Breakdown by concepts (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions for pensions and similar obligations</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,427</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,631</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other long term employee benefits</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >53</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >61</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions for taxes and other legal contingencies</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >738</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >677</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions for contingent risks and commitments</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >30</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >774</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >711</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other provisions (*)</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >502</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >457</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,494</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,538</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) </font><font style='font-family:Arial;font-size:6pt;' >Individually insignificant provisions or contingencies, for various concepts in different geographies.</font></p><p style='text-align:justify;margin-top:3pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#004580;' >Ongoing legal proceedings and litigation</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The financial sector faces an environment of increased regulatory pressure and litigation. In this environment, </font><font style='font-family:Arial;font-size:8pt;' >the various Group entities are often sued on lawsuits and are therefore involved in individual or collective legal proceedings and litigation arising from their activity and operations, including proceedings arising from their lending activity, from their </font><font style='font-family:Arial;font-size:8pt;' >labour</font><font style='font-family:Arial;font-size:8pt;' > relations and from other commercial, regulatory or tax issues, as well as in arbitration.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >On the basis of the information available, the Group considers that, at June 30, 2020, the provisions made in relation to judicial proceedings and arbitration,</font><font style='font-family:Arial;font-size:8pt;' > where so required, are adequate and reasonably cover the liabilities that might arise, if any, from such proceedings. Furthermore, on the basis of the information available and with the exceptions indicated in Note 6.1 &quot;Risk factors&quot;, BBVA considers that </font><font style='font-family:Arial;font-size:8pt;' >the liabilities that may arise from such proceedings will not have, on a case-by-case basis, a significant adverse effect on the Group&#39;s business, financial situation or results of operations.</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664225923448">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 24 - Post-employment and other employee benefit commitments<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfEmployeeBenefitsExplanatory', window );">Post-Employment and other employee benefit commitments</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >24.    Pension and other post-employment commitments</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The Group </font><font style='font-family:Arial;font-size:8pt;' >sponsors defined-contribution plans for the majority of its active employees, with the plans in Spain and Mexico being the most significant. Most of the defined benefit plans are for individuals already retired, and are closed to new employees, the most si</font><font style='font-family:Arial;font-size:8pt;' >gnificant being those in Spain, Mexico, the United States and Turkey. In Mexico, the Group provides post-retirement medical benefits to a closed group of employees and their family members, both active service and in retirees.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The amounts relating to post-</font><font style='font-family:Arial;font-size:8pt;' >employment benefits charged to the profit and loss account and other comprehensive income for the six month periods ended June 30, 2020 and 2019 are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Condensed consolidated income statement impact (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Interest income and expense</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >38</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Personnel expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >76</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >79</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Defined contribution plan expense</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39.1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Defined benefit plan expense</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39.1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions, net</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >41</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >145</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >127</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total: expense (income)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >247</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >244</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for employee benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2019-01-01<br> -Section Scope<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2019-en-r&amp;doctype=Standard&amp;dita_xref=IAS19_g2-7_TI<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664173522360">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 25 - Common Stock<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CommonStockabstract', window );"><strong>Common Stock</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcommonstockexplanatory', window );">Disclosure Of Common Stock</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >25.    Capital</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020 and December 31, 2019, BBVA&#8217;s s</font><font style='font-family:Arial;font-size:8pt;' >hare capital amounted to &#8364;3,267,264,424.20 divided into 6,667,886,580 fully subscribed and paid-up registered shares, all of the same class and series, at &#8364;0.49 par value each, represented through book-entry accounts. All of the Bank&#180;s shares carry the sam</font><font style='font-family:Arial;font-size:8pt;' >e voting and dividend rights, and no single stockholder enjoys special voting rights. Each and every share is part of the Bank&#8217;s </font><font style='font-family:Arial;font-size:8pt;' >capital.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA is not aware of any direct or indirect interests through which control of the Bank may be exercised. BBVA has not</font><font style='font-family:Arial;font-size:8pt;' > 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. BBVA is not aware of any agreement</font><font style='font-family:Arial;font-size:8pt;' > that could give rise to changes in the control of the Bank.</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176739048">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 26 - Retained earnings, revaluation reserves and other reserves<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityAbstract', window );"><strong>Retained earnings, revaluation reserves and other reserves.</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesAndOtherEquityInterestExplanatory', window );">Retained earnings, revaluation reserves and other reserves</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >26.    Retained earnings and other reserves</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated balance sheet is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Retained earnings and other reserves  (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Retained earnings</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >30,589</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >29,388</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other reserves </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(160)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(119)</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >30,429</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >29,268</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of reserves within equity. [Refer: Other reserves [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 79<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_79_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197884872">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 27 - Accumulated Other Comprehensive Income<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedothercomprehensiveincomeexplanatory', window );">Accumulated Other Comprehensive Income Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >27.  </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >  Accumulated other comprehensive income</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated balance sheet is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Accumulated other comprehensive income. Breakdown by concepts (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Items that will not be reclassified to profit or loss</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >(2,253)</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >(1,875)</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Actuarial gains (losses) on defined benefit pension plans</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,381)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,498)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-current assets and disposal groups classified as held for sale</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:22.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value changes of equity instruments measured at fair value through other comprehensive income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12.4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(940)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(403)</font></td></tr><tr style='height:23.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >67</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Items that may be reclassified to profit or loss</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >(10,570)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >(8,351)</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hedge of net investments in foreign operations (effective portion)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(312)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(896)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Foreign currency translation </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(12,351)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(9,147)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hedging derivatives. Cash flow hedges (effective portion)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >308</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(44)</font></td></tr><tr style='height:23.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value changes of debt instruments measured at fair value through other comprehensive income</font><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12.4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,830</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,760</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-current assets and disposal groups classified as held for sale</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(27)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(18)</font></td></tr><tr style='height:23.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5)</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,822)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(10,226)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The balances recognized under these headings are presented net of tax</font><font style='font-family:Arial;font-size:8pt;' >.</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174900952">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 28 - Non Controlling Interest<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NonControllingInterestAbstract', window );"><strong>Non Controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfNoncontrollingInterestsExplanatory', window );">Non Controlling Interest Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >28.    Non-controlling interest</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The table below is a 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 </font><font style='font-family:Arial;font-size:8pt;' >follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Non-controlling interests: breakdown by subgroups (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Garanti BBVA</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,988</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,240</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Peru</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,222</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,334</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Argentina</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >439</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >422</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Colombia</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >65</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >76</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Venezuela</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >66</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >71</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other entities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >57</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >5,836</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,201</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >These amounts are broken down by groups of consolidated entities under the heading &#8220;Profit for the year- Attributable to minority interests (non-controlling interest)&#8221; in the accompanying consolidated income sta</font><font style='font-family:Arial;font-size:8pt;' >tements</font><font style='font-family:Arial;font-size:8pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Profit attributable to non-controlling interests (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Garanti BBVA</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >274</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >291</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Peru</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >115</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Argentina</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >60</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Colombia</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Venezuela</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other entities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >333</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >475</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of non-controlling interests. [Refer: Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170262216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 29 - Capital base and Capital management<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Capitalbaseandcapitalmanagementabstract', window );"><strong>Capital Base And Capital Management</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory', window );">Information Whether Entity Complied with Any Externally Imposed Capital Requirement</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >29.    Capital base and capital management</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The eligible capital instruments and the risk-weighted assets of the Group (phased in) </font><font style='font-family:Arial;font-size:8pt;' >are shown below, calculated in accordance </font><font style='font-family:Arial;font-size:8pt;' >with the applicable regulation, considering the entities in scope required by such</font><font style='font-family:Arial;font-size:8pt;' > regulation, as of June 30, 2020 and December 31, 2019</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Capital ratios (phased-in)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020 (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Eligible Common Equity Tier 1 capital (millions of Euros) (a)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >42,118</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >43,653</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Eligible Additional Tier 1 capital (millions of Euros) (b)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,067</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,048</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Eligible Tier 2 capital (millions of Euros) (c)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,345</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,304</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Risk Weighted Assets (millions of Euros) (d)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >362,050</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >364,448</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Common Tier 1 capital ratio (CET 1) (A)=(a)/(d)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11.63%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11.98%</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Additional Tier 1 capital ratio (AT 1) (B)=(b)/(d)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1.68%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1.66%</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tier 1 capital ratio (Tier 1) (A)+(B)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13.31%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13.64%</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tier 2 capital ratio (Tier 2) (C)=(c)/(d)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2.58%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2.28%</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total capital ratio (A)+(B)+(C)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15.89%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15.92%</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) Provisional data</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The uncertainty caused by the COVID-19 pandemic has led to a significant fluctuation in asset prices in the financial markets, accompanied by a sharp incre</font><font style='font-family:Arial;font-size:8pt;' >ase in volatility; the stock exchanges have experienced falls in response to the impact of the crisis on corporate earnings and the increase in risk aversion that has also spread to the debt markets, as well as the evolution of exchange rates. All this has</font><font style='font-family:Arial;font-size:8pt;' > caused a negative impact on the Group&#39;s capital ratios until June 30, 2020. However, during the second quarter of the year, the stability of the financial markets, largely motivated by the stimulus measures for the economy announced by the different natio</font><font style='font-family:Arial;font-size:8pt;' >nal and supranational authorities, have partially recovered the shocks produced in asset prices and the volatility has been reduced, which has had a positive contribution in the capital ratios during the last quarter.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In addition, the approval by the Europ</font><font style='font-family:Arial;font-size:8pt;' >ean Parliament and the Council of Regulation 2020/873 (known as &#8220;CRR Quick Fix&#8221;), amending both Regulation 575/2013 (Capital Requirement Regulation (CRR)) and Regulation 2019/876 (Capital Requirement Regulation 2 (CRR2)) has contributed positively to the c</font><font style='font-family:Arial;font-size:8pt;' >apital ratios.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020, the CET 1 ratio stood at 11.63%, which represents a reduction of 34 basis points compared to December 31, 2019.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The additional Tier 1 capital (AT1) stood at 1.68% at the end of June 2020, remaining at similar levels</font><font style='font-family:Arial;font-size:8pt;' > than previous quarters, while the Tier 2 ratio increased by 30 basis points to 2.58% explained partly by the new Tier 2 instruments issued by the Group during the first half of the year.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As a result, the total capital ratio stood at 15.89%, remaining at a</font><font style='font-family:Arial;font-size:8pt;' > similar level to that of December 2019.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The risk-weighted assets during the first six months of the year, affected by the evolution of exchange rates decreased by approximately &#8364;2,400 million.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the leverage ratio as of June 30, 2020 and De</font><font style='font-family:Arial;font-size:8pt;' >cember 31, 2019, calculated according to CCR, is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Leverage ratio</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020 (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tier 1 (millions of Euros) (a)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >48,185</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49,701</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exposure to leverage ratio (millions of Euros) (b)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >771,590</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >731,087</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Leverage ratio (a)/(b) (percentage)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.24%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.80%</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) Provisional data</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 134<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_134&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170732440">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 30 - Commitments and guarantees given<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory', window );">Disclosure of commitments and guarantees given</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >30.    Com</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >mitments and </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >guarantees</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > given</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Commitments and guarantees given (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:13.5pt;' ><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:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Loan commitments given</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >6.2.2</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >134,494</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >130,923</font></td></tr><tr style='height:10.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >Of which: defaulted</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >227</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >270</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >2,897</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >3,117</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >14,450</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >11,742</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >4,955</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >4,578</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >69,184</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >65,475</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >43,008</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >46,011</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial guarantees given</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >6.2.2</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >10,989</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >10,984</font></td></tr><tr style='height:10.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >Of which: defaulted (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >261</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >224</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >109</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >125</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >427</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >995</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >677</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >583</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >9,529</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >8,986</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >247</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >295</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Other commitments given </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >6.2.2</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >38,563</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >39,209</font></td></tr><tr style='height:10.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >Of which: defaulted (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >441</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >506</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >106</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >1</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >1,685</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >521</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >5,119</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >5,952</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >3,924</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >2,902</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >27,535</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >29,682</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >193</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >151</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >184,046</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >181,116</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) Non-performing financial </font><font style='font-family:Arial;font-size:6pt;' >guarantees given amounted to &#8364;702 million </font><font style='font-family:Arial;font-size:6pt;' >and &#8364;730 million, respectively, as of June 30, 2020 and December 31, 2019, respectively.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020, the provisions for loan commitments given, financial guarantees given and other commitments given, recorded in t</font><font style='font-family:Arial;font-size:8pt;' >he consolidated balance sheet amounted &#8364;376 million, &#8364;167 million and &#8364;231 million, respectively (see Note 23).</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Since a significant portion of the amounts above will expire without any payment being made by the consolidated entities, the aggregate balance </font><font style='font-family:Arial;font-size:8pt;' >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></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of commitments and contingent liabilities. [Refer: Contingent liabilities [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174871176">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 31 - Other contingent assets and liabilities<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="text">&#160;<span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197945592">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 32 - Interest Income and Expense<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomeandexpenseabstract', window );"><strong>Interest Income And Expense</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfInterestIncomeExpenseExplanatory', window );">Disclosure of Interest Income Expense</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >32. Net interest income</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >32.1    Interest and other income</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the interest and other inc</font><font style='font-family:Arial;font-size:8pt;' >ome recognized in the accompanying consolidated income statement is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.45pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Interest and other income. Breakdown by origin (Millions of Euros)</font></td></tr><tr style='height:24pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets held for trading</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >711</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,071</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >80</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >77</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >714</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >975</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at amortized cost</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,031</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,911</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Insurance activity</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >477</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >493</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Adjustments of income as a result of hedging transactions </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(38)</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >214</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >143</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >13,228</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15,633</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >32.2    Interest expense</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Interest expense. Breakdown by origin (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities held for trading </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >344</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >746</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value through profit or loss </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities at amortized cost </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,891</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,613</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Adjustments of expense as a result of hedging transactions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(176)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(136)</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Insurance activity</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >324</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >338</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cost attributable to pension funds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >125</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >82</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,574</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,691</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of interest income and expense. [Refer: Interest income (expense)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197945464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 33 - Dividend Income<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Dividendincomeabstract', window );"><strong>Dividend income Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfDividendsExplanatory', window );">Dividend Income</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >33.    Dividend income</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 me</font><font style='font-family:Arial;font-size:8pt;' >thod (see Note 34), as per the breakdown below:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.45pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Dividend income. Breakdown by headline (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7 </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25 </font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >70</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >78 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >77</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >103</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of dividends. Dividends are distributions of profits to holders of equity investments in proportion to their holdings of a particular class of capital.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176798968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 34 - Share of profit or loss of entities accounted for using the equity method<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethodAbstract', window );"><strong>Share of profit or loss of entities accounted for using the equity method</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory', window );">Investments in Entities Accounted for Using the Equity Method</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >34.    Share of profit or loss of entities accounted for using the equity method</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Results from &#8220;Share of profit or loss of entities accounted for using the equity method&#8221; </font><font style='font-family:Arial;font-size:8pt;' >resulted in a loss of &#8364;17 million for the six months ended June 30, 2020, compared with the loss of &#8364;19 million recorded for the six months ended June 30, 2019.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of investments accounted for using the equity method. [Refer: Investments accounted for using equity method]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664238447640">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 35 - Fee and commission income and expenses<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpenseAbstract', window );"><strong>Fee And Commission Income Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFeeAndCommissionIncomeExpenseExplanatory', window );">Fee and commission income and expenses</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >35.    Fee and commission income and expense</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings </font><font style='font-family:Arial;font-size:8pt;' >in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fee and commission income. Breakdown by origin (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Bills receivables</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Demand accounts</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >265</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >232</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit and debit cards and ATMs</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,123</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,538</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Checks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >71</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >100</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transfers and other payment orders</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >368</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >393</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Insurance product commissions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >76</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >90</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loan commitments given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >69</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >60</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other commitments and financial guarantees given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >185</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >196</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Asset management</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >582</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >511</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Securities fees</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >199</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >158</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Custody securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >73</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >59</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other fees and commissions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >297</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >303</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,325</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,661</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fee and commission expense. Breakdown by origin (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Demand accounts</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit and debit cards</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >621</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >798</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transfers and other payment orders</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >83</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >65</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Commissions for selling insurance</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Custody securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >16</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other fees and commissions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >259</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >268</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,024</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,191</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of fee and commission income (expense). [Refer: Fee and commission income (expense)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202414424">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 36 - Gains (losses) on financial assets and liabilities (net), hedge accounting and Exchange Differences<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesabstract', window );"><strong>Gains Or Losses on Financial Assets And Liabilities And Exchanges Differences</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofgainsorlossesonfinancialassetsandliabilitiesandexchangedifferenecesexplanatory', window );">Disclosure of gains or losses on financial assets and liabilities and exchange differences</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >36.    Gains (lo</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >sses) on financial assets and liabilities, hedge accounting and exchange differences, net</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under these headings, by source of the related items, in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:23.25pt;' ><td colspan='4' rowspan='1' style='width:582pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:582pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net. Breakdown by heading (Millions of Euros)</font></td></tr><tr style='height:30pt;' ><td style='width:381.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:20.45pt;' ><td style='width:381.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >229</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >67</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Financial assets at amortized cost</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >106</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >15</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other financial assets and liabilities </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >123</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >53</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) on financial assets and liabilities held for trading, net</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >187</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >173</font></td></tr><tr style='height:15pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >129</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >98</font></td></tr><tr style='height:22.5pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >205</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(3)</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) from hedge accounting, net </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >41</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >73</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal gains (losses) on financial assets and liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >790</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >408</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exchange differences</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >316</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >134</font></td></tr><tr style='height:12.6pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,107</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >542</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:23.25pt;' ><td colspan='4' rowspan='1' style='width:582pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:582pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Gains (losses) on financial assets and liabilities. Breakdown by instrument (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:381.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt instruments</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >646</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >451</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Equity instruments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,374)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >764</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Trading derivatives and hedge accounting</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,384</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(653)</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >119</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >92</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Customer deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >32</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(277)</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >790</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >408</font></td></tr></table></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 37 - Other operating income and expenses<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory', window );">Other Operating Income And Expenses</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >37.    Other operating income and exp</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >ense</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under the heading &#8220;Other operating income&#8221; in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other operating income (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains from sales of non-financial services</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >115</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >129</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hyperinflation adjustment</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other operating income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >76</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >145</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >230</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >337</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under the heading &#8220;Other operating expense&#8221; in the acco</font><font style='font-family:Arial;font-size:8pt;' >mpanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:450.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:450.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other operating expense (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Change in inventories</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >59</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Contributions to guaranteed banks deposits funds </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >397</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >353</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hyperinflation adjustment</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >161</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >249</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other operating expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >235</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >334</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >848</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >995</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherOperatingIncomeExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income related to other sources of operating actvities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOperatingIncomeExpenseAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfOtherOperatingIncomeExpenseExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of other operating income or expense. [Refer: Other operating income (expense)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202554008">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 38 - Insurance and reinsurance contracts income and expenses<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract', window );"><strong>Insurance and Reinsurance Contracts Income and Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory', window );">Other operating income and expenses on Insurance and reinsurance contracts</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >38.    Income and expense from insurance and reinsurance contracts</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The detail of the headings &#8220;Income and expense from insurance and reinsurance contracts&#8221; in the </font><font style='font-family:Arial;font-size:8pt;' >accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:23.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Income and expense from insurance and reinsurance contracts (Millions of Euros)</font></td></tr><tr style='height:21.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Income from insurance and reinsurance contracts</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,307</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,547</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Expense from insurance and reinsurance contracts</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(765)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(983)</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >542</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >565</font></td></tr></table></div><span></span>
</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Text Block which displays the other operating income and expense on insurance and reinsurance contracts</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">bbva_DisclosureOfInsuranceandreinsurancecontractsincomeandexpensesexplanatory</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202436296">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 39 - Administration Costs<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract', window );"><strong>Classes Of Employee Benefits Expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Personnelexpensesexplanatory', window );">Personnel Expenses Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >39.    Administration costs</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >39.1    Personnel expense</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated income statements is as </font><font style='font-family:Arial;font-size:8pt;' >follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Personnel expense (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:13.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Wages and salaries</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,225</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,435</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Social security costs</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >379</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >396</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Defined contribution plan expense</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Defined benefit plan expense</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other personnel expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >195</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >222</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,875</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,131</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >39.2    Other administrative expense</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other administrative expense. Breakdown by main concepts (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Technology and systems</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >640</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >604</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Communications </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >106</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >109</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Advertising</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >121</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >158</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Property, fixtures and materials</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >248</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >266</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: rent expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >46</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >52</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Taxes other than income tax</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >199</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >203</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Surveillance and cash courier services</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >84</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >92</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >474</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >521</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,872</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,953</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202470824">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 40 - Depreciation<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfDepreciationAndAmortisationExpenseExplanatory', window );">Disclosure of Depreciation</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >40.    Depreciation and amortization</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Depreciation and amortization (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tangible assets</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >456</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >488</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: For own use</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >266</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >294</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: Right-of-use assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >188</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >192</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Intangible assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >310</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >302</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >766</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >790</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of depreciation and amortisation expense. [Refer: Depreciation and amortisation expense]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202478568">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 41 - Provisions or reversal provisions<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProvisionsAbstract', window );"><strong>Provisions or reversal of provisions Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfProvisionsExplanatory', window );">Provisions or Reversal Provisions</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >41.    Provisions or (reversal) of provisions</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In </font><font style='font-family:Arial;font-size:8pt;' >the six months ended June 30, 2020 and 2019 the net provisions r</font><font style='font-family:Arial;font-size:8pt;' >ecognized in this income statement line item were as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.45pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Provisions or (reversal) of provisions (Millions of Euros)</font></td></tr><tr style='height:25.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:10.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Pensions and other post employment defined benefit obligations</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24 </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >145 </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >127 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Commitments and guarantees given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >106 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Pending legal issues and tax litigation</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >199 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >75 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other provisions </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >90 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >51 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >541</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >261</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of provisions. [Refer: Provisions]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202414424">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 42 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss and revenue or loss net by modification<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossabstract', window );"><strong>Impairment or reversal of impairment on financial assets not measured at fair value through profir or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory', window );">Impairment or Reversal of Impairment on financial assets not measured at fair value through profit or loss</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >42.    Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > or net gains by modification</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of Imp</font><font style='font-family:Arial;font-size:8pt;' >airment 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></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:24.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income - Debt securities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12.4</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >71</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at amortized cost (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,075</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,727</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: recovery of written-off assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >(145)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >(534)</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,146</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,731</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*)  </font><font style='font-family:Arial;font-size:6pt;' >As of June 30, 2020 th</font><font style='font-family:Arial;font-size:6pt;' >e amount includes mainly the negative impact of the update of the macroeconomic scenario following the COVID-19 pandemic (see Notes 1.5 and 6.2).</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176255112">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 43 - Impairment or reversal of impairment on joint ventures and associated companies<br></strong></div></th>
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<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >43.    Impairment or (reversal) of impairment of investments in joint ventures and associates</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The heading </font><font style='font-family:Arial;font-size:8pt;' >&#8220;Impairment or reversal of the impairment of investments in joint ventures or associates&quot; resulted in a loss of  &#8364;60 million for the six months ended June 30, 2020, compared with nil impairment recorded for the six months ended June 30, 2019.</font></p></div><span></span>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 44 - Impairment or reversal of impairment on non-financial assets<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >44.    Impair</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >ment </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >or (reversal) of impairment on non-financial assets</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The impairment losses on non-financial assets broken down by the nature of those assets in the accompanying consolidated income </font><font style='font-family:Arial;font-size:8pt;' >statements are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Impairment or (reversal) of impairment on non-financial assets (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tangible assets</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >62</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >30</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Intangible assets</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,087</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Others   </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,149</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >44</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202386568">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 45 - Gains (losses) on derecognition of non financial assets and subsidiaries, net<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetabstract', window );"><strong>Gains (losses) on derecognition of non financial assets and subsidiaries, net</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosuregainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory', window );">Gains (losses) on derecognition of non financial assets and subsidiaries, Net</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >45.    Ga</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >ins </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >(losses) on derecognition of non-financial assets and subsidiaries, net</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Gains (losses) on derecognition of non-financial assets and subsidiaries, net (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Gains</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Disposal of investments in non-consolidated subsidiaries</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Disposal of tangible assets and other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Disposal of tangible assets and other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6)</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >8</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Text Block which displays the disclosure of gains (losses) on derecognition of non financial assets and subsidiaries, net</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202460136">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 46 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsabstrac', window );"><strong>Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory', window );">Profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >46.    Gains </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >(losses) from non-current as</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >sets and disposal groups classified as held for sale not qualifying as discontinued operations</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The </font><font style='font-family:Arial;font-size:8pt;' >breakdown of the balance under this heading in the accompanying consolidated income statements is as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:31.5pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains on sale of real estate</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment of non-current assets held for sale</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(53)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(15)</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(9)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >11</font></td></tr></table></div><span></span>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197954408">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 47 - Related-Party Transactions<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RelatedPartyTransactionsAbstract', window );"><strong>Related Party Transactions Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfRelatedPartyExplanatory', window );">Disclosure of Related Party Transactions</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >47.    </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >Related-party transactions</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 marke</font><font style='font-family:Arial;font-size:8pt;' >t conditions. As of June 30, 2020 and December 31, 2019, the transactions with related parties are the following:</font></p><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >47.1    Transactions with significant shareholders</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, </font><font style='font-family:Arial;font-size:8pt;' >2020 and December 31, 2019 </font><font style='font-family:Arial;font-size:8pt;' >there were no shareholders considered significant</font><font style='font-family:Arial;font-size:8pt;' > (see Note 25).</font></p><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >47.2    Transactions with BBVA Group entities</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The balances of the main captions in the accompanying consolidated balance sheets arising from the transactions carried out by the BBVA Group with associates and joint venture entities accounted</font><font style='font-family:Arial;font-size:8pt;' > for using the equity method are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Balances arising from transactions with entities of the Group (Millions of Euros)</font></td></tr><tr style='height:25.5pt;' ><td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Assets</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >61</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,909</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,682</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Liabilities</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loan commitments given</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other contingent commitments given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >859</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >453</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Memorandum accounts</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loan commitments given</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >156</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >166</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other contingent commitments given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,397</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,042</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial guarantees given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >50</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >106</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 unde</font><font style='font-family:Arial;font-size:8pt;' >r the equity method are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Balances of consolidated income statement arising from transactions with entities of the Group (Millions of Euros)</font></td></tr><tr style='height:21pt;' ><td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><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:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Gains and losses:</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Interest and other income</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fee and commission income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fee and commission expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 to the </font><font style='font-family:Arial;font-size:8pt;' >consolidated Financial Statements of 2019) and from the insurance policies to cover pension or similar commitments (see Note 25 to the consolidated Financial Statements of 2019) and the derivatives transactions arranged by BBVA Group with these entities, a</font><font style='font-family:Arial;font-size:8pt;' >ssociates and joint ventures.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In addition, as part of its regular activity, the BBVA Group has entered into agreements and commitments of</font><font style='font-family:Arial;font-size:8pt;' > various types with shareholders of subsidiaries and associates, which have no material effects on the accompanying consolidated financial statements.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >47.3    Transactions with members of the Board of Directors and Senior Management</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The </font><font style='font-family:Arial;font-size:8pt;' >amount and nature of the transactions carried out with members of the Board of Directors and Senior Management of BBVA is given below. These transactions belong to the </font><font style='font-family:Arial;font-size:8pt;' >Bank&#8217;s ordinary business or traffic, are of little relevance and have being carried out under normal market conditions</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of </font><font style='font-family:Arial;font-size:8pt;' >June 30, 2020, there were no loans granted by the Group&#8217;s entities to the members of the Board of Directors. As of December 31, 20</font><font style='font-family:Arial;font-size:8pt;' >19, the amount availed against the loans granted by the Group&#8217;s entities to the members of the Board of Directors amounted to &#8364;607 thousand</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020 and December 31, 2019, there were no loans granted to parties related to the members of the Boa</font><font style='font-family:Arial;font-size:8pt;' >rd of Directors.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of </font><font style='font-family:Arial;font-size:8pt;' >June 30, 2020 and December 31, 2019 the amount availed against the loans granted by the Group&#8217;s entities to the members of Senior Management (excluding the executive directors) amounted to &#8364;4,510 and &#8364;4,414 thousand, respectively. As</font><font style='font-family:Arial;font-size:8pt;' > of June 30, 2020 there were no loans granted by the Group&#8217;s entities to parties related to members of the Senior Management, and, as of December 31, 2019, the amount availed against the loans granted to parties related to members of the Senior Management </font><font style='font-family:Arial;font-size:8pt;' >amounted to &#8364;57 thousand</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020, and December 31, 2019, no guarantees had been granted to any member of the Board of Directors.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020 and December 31, 2019, the amount availed against guarantees arranged with members of the Seni</font><font style='font-family:Arial;font-size:8pt;' >or Management amounted to &#8364;10 thousand, respectively.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of </font><font style='font-family:Arial;font-size:8pt;' >June 30, 2020 and December 31, 2019 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 Manageme</font><font style='font-family:Arial;font-size:8pt;' >nt amounted to &#8364;25 thousand, respectively. </font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The information on the remuneration of the members of the BBVA Board of Directors and Senior Management is included in Note 48</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >47.4    Transactions with other related parties</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >During the six months ended June 30,</font><font style='font-family:Arial;font-size:8pt;' > 2020 and the year ended December 31, 2019</font><font style='font-family:Arial;font-size:8pt;' >, 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&#39;s-length market conditions and of marginal relevance; whose information is not necessary to </font><font style='font-family:Arial;font-size:8pt;' >give a true picture of the BBVA Group&#8217;s consolidated net equity, net earnings and financial situation.</font></p></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174896856">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Remunerationandotherbenefitsreceivedbytheboardofdirectorsandmembersofthebanksseniormanagementabstract', window );"><strong>Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfInformationAboutKeyManagementPersonnelExplanatory', window );">Disclosure of information about key management personnel Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >48.    Re</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >muneration and other benefits for</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > the Board of Directors and member</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >s</font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' > of the Bank&#8217;s Senior Management</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12.85pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Note 54 of the Notes to the BBVA Group&#39;s Consolidated Annual Financial Statements, corresponding to the </font><font style='font-family:Arial;font-size:8pt;' >financial year ending December 31, 2019, details the remuneration and other benefits corresponding to the members of the Board of Directors and of the Bank&#39;s Senior Management, including the description of the applicable policies and remuneration systems, </font><font style='font-family:Arial;font-size:8pt;' >and information regarding the conditions to receive remuneration and other benefits. </font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12.85pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The Bank&#39;s General Shareholders&#39; Meeting held on 15 March 2019 approved the Remuneration Policy for BBVA Directors applicable in the 2019, 2020 and 2021 financial years.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12.85pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >On the basis of said policies and remuneration systems, information regarding the remuneration and other benefits for the members of the Board of Directors and for Senior Management corresponding to the period between the start of the financial year and Ju</font><font style='font-family:Arial;font-size:8pt;' >ne 30, 2020 is shown below.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#002060;' >Remuneration of non-executive directors</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The remuneration paid to non-executive </font><font style='font-family:Arial;font-size:8pt;' >directors</font><font style='font-family:Arial;font-size:8pt;' > during the first </font><font style='font-family:Arial;font-size:8pt;' >half</font><font style='font-family:Arial;font-size:8pt;' > of </font><font style='font-family:Arial;font-size:8pt;' >the </font><font style='font-family:Arial;font-size:8pt;' >2020 </font><font style='font-family:Arial;font-size:8pt;' >financial year is itemized per director below</font><font style='font-family:Arial;font-size:8pt;' >:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='11' rowspan='1' style='width:548.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:548.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Remuneration for non-executive directors (thousands of Euros)</font></td></tr><tr style='height:41.25pt;' ><td colspan='2' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Board of Directors</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Executive Committee</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Audit Committee</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Risk and Compliance Committee</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Remunerations Committee</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Appointments and Corporate Governance Committee</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Technology and Cybersecurity Committee</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Other positions (1)</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Total</font></td></tr><tr style='height:18pt;' ><td colspan='2' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Jos&#233; Miguel Andr&#233;s Torrecillas</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >28</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >33</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >36</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >58</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >25</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >244</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Jaime Caruana Lacorte</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >83</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >83</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >53</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >284</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Ra&#250;l Galamba de Oliveira (2)</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >43</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >18</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >71</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Bel&#233;n Garijo L&#243;pez</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >33</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >54</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >23</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >174</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Sunir Kumar Kapoor</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >86</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Lourdes M&#225;iz Carro</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >33</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >119</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Jos&#233; Maldonado Ramos</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >83</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >23</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >171</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Ana Peralta Moreno</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >33</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >119</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Juan Pi Llorens</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >107</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >23</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >40</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >256</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Ana Revenga Shanklin (2)</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >32</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >18</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >50</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Susana Rodr&#237;guez Vidarte</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >83</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >53</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >23</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >224</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Carlos Salazar Lomel&#237;n (2)</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >32</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >39</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Jan Verplancke</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >93</font></td></tr><tr style='height:15.75pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >Total (3)</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >751</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >278</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >215</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >285</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >111</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >150</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >75</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >65</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >1,930</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(1)    Amounts received during the first </font><font style='font-family:Arial;font-size:6pt;' >half</font><font style='font-family:Arial;font-size:6pt;' > of 2020 by Jos&#233; Miguel Andr&#233;s Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by Juan Pi Llorens, in his capacity as Lead Director.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(2</font><font style='font-family:Arial;font-size:6pt;' >)    </font><font style='font-family:Arial;font-size:6pt;' >Directors appointed by the General Meeting </font><font style='font-family:Arial;font-size:6pt;' >held on 13 March 2020. Remunerations paid based on the date on which the position was accepted.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(</font><font style='font-family:Arial;font-size:6pt;' >3)    Including </font><font style='font-family:Arial;font-size:6pt;' >the amounts corresponding to the position</font><font style='font-family:Arial;font-size:6pt;' >s</font><font style='font-family:Arial;font-size:6pt;' > of </font><font style='font-family:Arial;font-size:6pt;' >the </font><font style='font-family:Arial;font-size:6pt;' >member of the Board and of the various committees during the first </font><font style='font-family:Arial;font-size:6pt;' >half</font><font style='font-family:Arial;font-size:6pt;' > of </font><font style='font-family:Arial;font-size:6pt;' >the </font><font style='font-family:Arial;font-size:6pt;' >2020 financial</font><font style='font-family:Arial;font-size:6pt;' > year</font><font style='font-family:Arial;font-size:6pt;' >. </font><font style='font-family:Arial;font-size:6pt;' >The composition of these committees was amended by agreement of the Board of Directors </font><font style='font-family:Arial;font-size:6pt;' >dated 29 April</font><font style='font-family:Arial;font-size:6pt;' > 2020</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >In addition, Tom&#225;s Alfaro Drake and Carlos Loring Mart&#237;nez de Irujo, who left their roles as directors on 13 March 2020, received a total of </font><font style='font-family:Arial;font-size:6pt;' >&#8364;</font><font style='font-family:Arial;font-size:6pt;' >54 thousand and </font><font style='font-family:Arial;font-size:6pt;' >&#8364;</font><font style='font-family:Arial;font-size:6pt;' >111 thousand, respectively, for their membership of the Board and </font><font style='font-family:Arial;font-size:6pt;' >to </font><font style='font-family:Arial;font-size:6pt;' >the various Board Comm</font><font style='font-family:Arial;font-size:6pt;' >ittees during the first </font><font style='font-family:Arial;font-size:6pt;' >quarter of the financial year.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Likewise, during the first half of the 2020 financial year</font><font style='font-family:Arial;font-size:8pt;' >, </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >109 thousand </font><font style='font-family:Arial;font-size:8pt;' >was</font><font style='font-family:Arial;font-size:8pt;' > paid </font><font style='font-family:Arial;font-size:8pt;' >in</font><font style='font-family:Arial;font-size:8pt;' > healthcare and</font><font style='font-family:Arial;font-size:8pt;' > casualty insurance premiums </font><font style='font-family:Arial;font-size:8pt;' >to non-executive directors</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#002060;' >Remuneration </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' >of</font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' > executive directors</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The remuneration paid to non-executive directors during the first half of the 2020 financial year is itemized per director below:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='2' rowspan='1' style='width:380.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:380.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' >Fixed remuneration (thousands of Euros)</font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chairman</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,227</font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chief Executive Officer (1)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,090</font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,316</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' > (1</font><font style='font-family:Arial;font-size:6pt;' >) In </font><font style='font-family:Arial;font-size:6pt;' >addition, in accordance with the current Remuneration Policy for BBVA Directors, during the first half of the 2020 financial year, the Chief Executive Officer received &#8364;327 thousand as cash in lieu of pension and &#8364;300 thousand as a mobility</font><font style='font-family:Arial;font-size:6pt;' > allowance</font><font style='font-family:Arial;font-size:6pt;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' >Variable remuneration corresponding to previous financial years (1)</font></td></tr><tr style='height:15pt;' ><td colspan='1' rowspan='2' style='width:250.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In cash</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font><font style='font-family:Arial;font-size:8pt;color:#004481;' >(thousands of euro)</font></td><td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In shares</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td></tr><tr style='height:15.75pt;' ><td></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chairman</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,292</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >215,628</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chief Executive Officer</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >775</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >144,578</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,067</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >360,206</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(1) </font><font style='font-family:Arial;font-size:6pt;' >Remuneration corresponding to the upfront portion (40%) of the Annual Variable Remuneration (AVR) for the 2019 financial year and to the deferred AVR for the 2016 financial year to be paid in 2020, along with its up</font><font style='font-family:Arial;font-size:6pt;' >date in cash. The deferred AVR for the 2016 financial year of the Chairman and the Chief Executive Officer is associated with their previous roles as Chief Executive Officer and President &amp; CEO of BBVA Compass (now BBVA USA), respectively.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Moreover, in the</font><font style='font-family:Arial;font-size:8pt;' > first half of the 2020 financial year, remuneration in kind was paid to executive directors, including insurance premiums and other items, for a total amount of </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >333 thousand, of which </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >204 thousand correspond to the Chairman and </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >129 thousand to the Chie</font><font style='font-family:Arial;font-size:8pt;' >f Executive Officer.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As Head of Global Economics &amp; Public Affairs (Head of GE&amp;PA), former executive director Jos&#233; Manuel Gonz&#225;lez P&#225;ramo Mart&#237;nez-Murillo, who left his role of direct</font><font style='font-family:Arial;font-size:8pt;' >or on 13 March 2020, received</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >168 thousand in fixed remuneration; </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >174 </font><font style='font-family:Arial;font-size:8pt;' >thousand and 28,353 BBVA shares, corresponding to 40% of the AVR for the 2019 financial year and the deferred portion of the AVR for the 2016 financial year, payment of which was due in the 2020 financial year, including the corresponding cash update; as w</font><font style='font-family:Arial;font-size:8pt;' >ell as </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >33 thousand in remuneration in kind.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#002060;' >Remuneration </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' >of members of</font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' > Senior Management</font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' > (*)</font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' > </font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The remuneration paid to the Senior Management as a whole during the first </font><font style='font-family:Arial;font-size:8pt;' >half</font><font style='font-family:Arial;font-size:8pt;' > of </font><font style='font-family:Arial;font-size:8pt;' >the </font><font style='font-family:Arial;font-size:8pt;' >20</font><font style='font-family:Arial;font-size:8pt;' >20 financial year</font><font style='font-family:Arial;font-size:8pt;' >, excluding executive directors, is </font><font style='font-family:Arial;font-size:8pt;' >itemized</font><font style='font-family:Arial;font-size:8pt;' > below:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='2' rowspan='1' style='width:380.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:380.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fixed remuneration (thousands of Euros)</font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Senior Management total</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,444</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Variable remuneration corresponding to previous financial years (1)</font></td></tr><tr style='height:22.5pt;' ><td colspan='1' rowspan='2' style='width:250.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td><td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In cash </font><font style='font-family:Arial;font-size:8pt;color:#004481;' >(1)</font><font style='font-family:Arial;font-size:8pt;color:#004481;' >(thousands of euro)</font></td><td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In shares </font><font style='font-family:Arial;font-size:8pt;color:#004481;' >(1)</font></td></tr><tr style='height:15.75pt;' ><td></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Senior Management total</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,832</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >465,709</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(1) Remuneration corresponding to the upfront portion (40%) of the A</font><font style='font-family:Arial;font-size:6pt;' >VR for the 2019 financial year </font><font style='font-family:Arial;font-size:6pt;' >and, in the case of members who were beneficiaries, </font><font style='font-family:Arial;font-size:6pt;' >to the deferred AVR for the 2016 financial year to be paid in 2020, along with its update in cash. For those members of Senior Management appointed by the Board of Directors </font><font style='font-family:Arial;font-size:6pt;' >during the 2019</font><font style='font-family:Arial;font-size:6pt;' > financial year, the remuneration included relates to their previou</font><font style='font-family:Arial;font-size:6pt;' >s positions.</font><font style='font-family:Arial;font-size:6pt;' > </font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) 15 members with such status as of June 30, 2020, excluding executive directors</font><font style='font-family:Arial;font-size:6pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Furthermore, during the first half of the 2020 financial year, remuneration in kind </font><font style='font-family:Arial;font-size:8pt;' >was</font><font style='font-family:Arial;font-size:8pt;' > paid in favor of Senior Management as a whole, excluding executive directors, which included insurance premiums and </font><font style='font-family:Arial;font-size:8pt;' >other</font><font style='font-family:Arial;font-size:8pt;' > it</font><font style='font-family:Arial;font-size:8pt;' >ems, for a total amount of &#8364;</font><font style='font-family:Arial;font-size:8pt;' >678 thousand.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#002060;' >Remuneration system with deferred delivery of shares for non-executive directors</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >During t</font><font style='font-family:Arial;font-size:8pt;' >he first half of the 2020 financial year, the following theoretical shares were allocated, derived from the remuneration system with deferred delivery of shares for non-executive directors, equivalent to 20% of the total remuneration in cash received by ea</font><font style='font-family:Arial;font-size:8pt;' >ch director in 2019:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:33.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Theoretical shares allocated in 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Theoretical shares accumulated as of June 30, 2020</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Jos&#233; Miguel Andr&#233;s Torrecillas</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >20,252</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >75,912</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Jaime Caruana Lacorte</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,067</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >31,387</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Bel&#233;n Garijo L&#243;pez</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,598</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >62,126</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Sunir Kumar Kapoor</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,189</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,915</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Lourdes M&#225;iz Carro</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,609</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44,929</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Jos&#233; Maldonado Ramos</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,245</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >108,568</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Ana Peralta Moreno</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,041</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,665</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Juan Pi Llorens</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >20,676</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >92,817</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Susana Rodr&#237;guez Vidarte</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18,724</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >141,138</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Jan Verplancke</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,189</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,392</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total (1)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >145,590</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >607,849</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(1) </font><font style='font-family:Arial;font-size:6pt;' >Furthermore, 8,984 theoretical shares were assigned to Tom&#225;s Alfaro Drake and 18,655 theoretical shares were assigned Carlos Loring Mart&#237;nez de Irujo, who left their roles as directors on 13 March 2020. </font><font style='font-family:Arial;font-size:6pt;' >After leaving their roles, both directors received a number of BBVA shares equivalent to the total number of theoretical shares that each of them had accumulated to date (102,571 and 135,046 BBVA shares, respectively) in application of the system.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#002060;' >Pension </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' >commitments with </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' >executive </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' >directors and </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' >members of </font><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#002060;' >Senior Management</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Executive directors (thousands of Euros)</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td colspan='2' rowspan='1' style='width:133.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Contributions</font><sup><font style='font-family:Arial;font-size:8pt;color:#004481;' > (1)</font></sup></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Accumulated funds</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#004481;' >Retirement</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#004481;' >Death and disability</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chairman</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >836</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >189</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >21,353</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chief Executive Officer</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >126</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >836</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >315</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >21,353</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(1) </font><font style='font-family:Arial;font-size:6pt;' >Contributions registered to fulfil the proportion of pension commitments undertaken with the executive directors corresponding to the first half of the 2020 </font><font style='font-family:Arial;font-size:6pt;' >financial year. In the case of the Chairman, these correspond to the sum of the annual contribution to cover retirement benefits and the adjustment made to the discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial y</font><font style='font-family:Arial;font-size:6pt;' >ear once the AVR for the year 2019 had been determined and to the death and disability premiums. For the Chief Executive Officer, the contributions registered correspond exclusively to the proportion of the premiums for death and disability given that, in </font><font style='font-family:Arial;font-size:6pt;' >his case, no commitments were made for the retirement benefit.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In the case of the head of GE&amp;PA, </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >89 thousand was registered in contributions to fulfil the pension commitments undertaken in proportion to the time spent in office during the first half of th</font><font style='font-family:Arial;font-size:8pt;' >e 2020 financial year. This corresponds to the sum of the annual contribution to cover retirement benefits and the adjustment made to the discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial year once the AVR for t</font><font style='font-family:Arial;font-size:8pt;' >he year 2019 (</font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >52 thousand) had been determined and to the death and disability premiums (</font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >37 thousand).</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of the date on which he left his position, the total accumulated fund to meet the retirement commitments for the former head of GE&amp;PA was </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >1,404 tho</font><font style='font-family:Arial;font-size:8pt;' >usand, with no further contributions to be made by the Bank from that point on.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Senior Management (thousands of Euros)</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td colspan='2' rowspan='1' style='width:133.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Contributions</font><sup><font style='font-family:Arial;font-size:8pt;color:#004481;' > (1)</font></sup></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Accumulated funds</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#004481;' >Retirement</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#004481;' >Death and disability</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Senior Management total*</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,487</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >517</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >20,613</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(1) </font><font style='font-family:Arial;font-size:6pt;' >Contributions registered to fulfil the proportion of pension commitments undertaken with the Senior Management as a whole for the first half of the</font><font style='font-family:Arial;font-size:6pt;' > 2020 financial year corresponding to the sum of the annual contributions to cover retirement benefits and the adjustments to discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial year once the AVR for the year 2019</font><font style='font-family:Arial;font-size:6pt;' > had been determined, and to the</font><font style='font-family:Arial;font-size:6pt;' > death and disability premiums.</font></p><p style='text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:6pt;margin-left:0pt;' >(*) 15 members with such status as of June 30, 2020, excluding executive directors.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0pt;color:#002060;' >Payments for the termination of the contractual relationship</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In accordance with the Remuneration Policy for </font><font style='font-family:Arial;font-size:8pt;' >BBVA Directors, the Bank has no commitments to pay severance payments to executive directors.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The contractual framework defined for the executive directors, in accordance with the Remuneration Policy for BBVA Directors, establishes a post-contractual non-c</font><font style='font-family:Arial;font-size:8pt;' >ompete agreement for executive directors, effective for a period of two (2) years after they cease as BBVA executive directors, provided that they do not leave due to retirement, disability or serious dereliction of duties. In compensation for this agreeme</font><font style='font-family:Arial;font-size:8pt;' >nt, the Bank shall award them remuneration to an amount equivalent to one Annual Fixed Remuneration per year of duration, which will be paid monthly over the course of the two-year duration of the non-compete agreement.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Accordingly, the executive director </font><font style='font-family:Arial;font-size:8pt;' >Head of GE&amp;PA, who left his role on 13 March 2020, received </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >249 thousand during the first half of 2020.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >With regard to the Senior Management team, excluding executive directors, during the first half of the 2020 financial year, the Bank has paid out a tot</font><font style='font-family:Arial;font-size:8pt;' >al of </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >2,185 thousand, resulting from the termination of the contractual relationship with one member of Senior Management and in fulfilment of the provisions of their contract (for the payment of legal indemnity and notice). In addition, the contract esta</font><font style='font-family:Arial;font-size:8pt;' >blishes a non-competition clause, effective for a period of one (1) year after they leave their role as a senior manager of BBVA, provided that they do not leave due to retirement, disability or serious dereliction of duties. In compensation for this agree</font><font style='font-family:Arial;font-size:8pt;' >ment, the member of senior management received a total of </font><font style='font-family:Arial;font-size:8pt;' >&#8364;</font><font style='font-family:Arial;font-size:8pt;' >408 thousand during the first half of 2020.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of information about key management personnel. [Refer: Key management personnel of entity or parent [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 49 - Subsequent Events<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfEventsAfterReportingPeriodExplanatory', window );">Disclosure Of Events After Reporting Period Explanatory</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >49.    Subsequent events</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >On July 15, 2020, BBVA carried out an issue of preferred securities contingently convertible into newly issued ordinary shares of BBVA with exclusion of pre-emptive </font><font style='font-family:Arial;font-size:8pt;' >subscription rights for shareholders for a total nominal amount of &#8364;1,000 million</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >(see Note 6.3)</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13,8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >From July 1, 2020 to the date of preparation of these consolidated Financial Statements, no subsequent events requiring disclosure in these interim consolida</font><font style='font-family:Arial;font-size:8pt;' >ted Financial Statements have taken place that significantly affect the Group&#8217;s earnings or its consolidated equity position.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for events after the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 10<br> -IssueDate 2019-01-01<br> -Section Disclosure<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=10&amp;code=ifrs-tx-2019-en-r&amp;doctype=Standard&amp;dita_xref=IAS10_g17-22_TI<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197884744">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Acounting Policies - Principles Of Consoldiation, Acounting policies and measurement bases applied and recent IFRS pronouncements (Policies)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofsignificantaccountigpoliciesabstract', window );"><strong>Disclosure of significant accountig policies abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations', window );">Expected Impact Of Initial Application Of New Standards Or Interpretations</a></td>
<td class="text"><div><p style='text-align:left;margin-top:14pt;margin-bottom:14pt;line-height:12pt;' ><font style='font-family:Arial;font-size:11pt;font-weight:bold;margin-left:0pt;color:#072146;' >2.    </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >Principles </font><font style='font-family:Arial;font-size:11pt;font-weight:bold;color:#072146;' >of consolidation, accounting policies, measurement bases applied and recent IFRS pronouncements and interpretations</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The accounting policies and methods applied for the preparation of the accompany</font><font style='font-family:Arial;font-size:8pt;' >ing consolidated Financial Statements do not differ significantly to those applied in the consolidated Financial Statements of the Group for the year ended December 31, 2019 (Note 2), except for the entry into force of new standards and interpretations in </font><font style='font-family:Arial;font-size:8pt;' >2020.</font></p></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Changesduringthefirstsemester', window );">Changes During The First Semester</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >2.1    </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >Standards and interpretations that became effective in the first six months of 202</font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >0</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In addition to the mentioned in Note 1.3, the following amendments to the IFRS standards or their interpretations (hereinafter &#8220;IFRIC&#8221;) became effective on or </font><font style='font-family:Arial;font-size:8pt;' >after January 1, 2020:</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IAS 1 and IAS 8 &#8211; &#8220;Definition of Material&#8221;</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The amendments clarify the definition of Material in the preparation of the financial statements by aligning the definition of the Conceptual Framework, IAS 1 and IAS 8 (which, before such a</font><font style='font-family:Arial;font-size:8pt;' >mendment, contained similar but not identical definitions). The new definition of material is as follows: &#8220;information is material if its omission, misrepresentation or obscuration can reasonably be expected to influence the decisions made by the primary u</font><font style='font-family:Arial;font-size:8pt;' >sers of a specific entity&#8217;s general purpose financial statements, based on those financial statements.&#8221;</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The implementat</font><font style='font-family:Arial;font-size:8pt;' >ion of this standard </font><font style='font-family:Arial;font-size:8pt;' >has had no significant impa</font><font style='font-family:Arial;font-size:8pt;' >ct on the Group&#180;s consolidated financial s</font><font style='font-family:Arial;font-size:8pt;' >tatements.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 3 &#8211; </font><font style='font-family:Arial;font-size:8pt;color:#004580;' >&#8220;</font><font style='font-family:Arial;font-size:8pt;color:#004580;' >Definition of a business</font><font style='font-family:Arial;font-size:8pt;color:#004580;' >&#8221;</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The amendment clarifies the difference between &#8220;acquiring a business&#8221; or &#8220;acquiring a group of assets&#8221; for accounting purposes. To determine whether a transaction is the acquisition of a business, an entity has to evaluate and conclude that the following t</font><font style='font-family:Arial;font-size:8pt;' >wo conditions are met:</font></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The fair value of the assets acquired is not in a single asset or group of similar assets.</font></span></p><p style='display:flex;margin-left:17pt;text-align:justify;margin-top:6pt;margin-bottom:6pt;' ><span style='min-width:34.85pt;text-align:right;font-family:Symbol;font-size:8pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The set of acquired activities and assets includes, as a minimum, an input and a substantive process that together contribute to the ability </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >to create products.</font></span></p></div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#000000;' >The </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >implementation of this standard</font><font style='font-family:Arial;font-size:8pt;color:#000000;' > has </font><font style='font-family:Arial;font-size:8pt;color:#000000;' >had no significant impact on the Group&#180;s con</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >solidated financial s</font><font style='font-family:Arial;font-size:8pt;color:#000000;' >tatements.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 9, IAS 39 and IFRS 7 &#8211; Modifications &#8211; IBOR Reform</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The IBOR Reform (Phase 1) refers to the amendments to IFRS 9, </font><font style='font-family:Arial;font-size:8pt;' >IAS 39 and IFRS 7 issued by the IASB to prevent some hedge accounting from having to be discontinued in the period before the reform of the interest rate references takes place. As the Group applies IAS 39 for hedge accounting, the amendments of IFRS 9 whi</font><font style='font-family:Arial;font-size:8pt;' >ch are stated in this section are not applicable.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >In some cases and / or jurisdictions, there may be uncertainty about the future of some interest rate references or their impact on the contracts held by the entity, which directly causes uncertainty about </font><font style='font-family:Arial;font-size:8pt;' >the timing or amounts of the cash flows of the hedged instrument or hedging instrument. Due to such uncertainties, some entities may be forced to discontinue their hedge accounting, or not be able to designate new hedging relationships.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >For this reason, th</font><font style='font-family:Arial;font-size:8pt;' >e amendments include several transitory reliefs that apply to all hedging relationships that are affected by the uncertainty arising from the IBOR reform; A hedging relationship is affected by the reform if it generates uncertainty about the timing or amou</font><font style='font-family:Arial;font-size:8pt;' >nt of the cash flows of the hedged financial instrument or that of a hedging instrument referenced to the particular interest rate benchmark. The reliefs refer specifically to the requirements for highly probable future cash flow hedging transactions, to t</font><font style='font-family:Arial;font-size:8pt;' >he future and retrospective effectiveness (relief of the compliance of the effectiveness ratio of 80-125%) and to the need to identify each risk component separately.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Since the purpose of the modification is to provide some temporary relief to the applicat</font><font style='font-family:Arial;font-size:8pt;' >ion of certain specific requirements of hedge accounting, these exceptions must </font><font style='font-family:Arial;font-size:8pt;' >end once the uncertainty is</font><font style='font-family:Arial;font-size:8pt;' > resolved or the hedging relationship ceases to exist.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The IBORs transition is considered a complex initiative, which affects BBVA</font><font style='font-family:Arial;font-size:8pt;' > Group</font><font style='font-family:Arial;font-size:8pt;' > in different</font><font style='font-family:Arial;font-size:8pt;' > geographical areas and business lines, as well as in multiple products, systems and processes. Thus, the Group has established a transition project, endowed with a robust governance structure, through an Executive Steering Committee, with representation f</font><font style='font-family:Arial;font-size:8pt;' >rom senior management in the affected areas, reporting directly to the Group&#39;s Global Leadership Team. At the local level, each geography has defined a local government structure with the participation of senior management. Coordination between geographies</font><font style='font-family:Arial;font-size:8pt;' > is done through the Project Management Office (PMO) and the Global Working Groups that have a multi-geographic and transversal vision in the areas of Legal, Risk, Regulatory, Finance and Accounting, Engineering and Communication. The project also involves</font><font style='font-family:Arial;font-size:8pt;' > both Corporate Assurance from different geographies and business lines and the Group&#39;s Global Corporate Assurance.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >BBVA Group has a significant number of financial assets and liabilities whose contracts are referenced to IBORs, especially the EURIBOR, whi</font><font style='font-family:Arial;font-size:8pt;' >ch is used, among others, for loans, deposits and debt issues, as well as underlying in derivative financial instruments. Furthermore, although the exposure to EONIA is lower in the banking book, this IBOR is used as the underlying reference in derivative </font><font style='font-family:Arial;font-size:8pt;' >financial instruments of the trading book, as well as for the treatment of collaterals, mainly in Spain. In the case of LIBOR, the USD is the most relevant currency for, both, debt instruments of the banking book and the trading book. Other LIBOR currencie</font><font style='font-family:Arial;font-size:8pt;' >s (CHF, GBP and JPY) have a lower specific weight.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >Likewise, the Group maintains cash flow and fair value hedges which are exposed to different IBORs, especially with the EURIBOR, LIBOR USD and to a much lesser extend LIBOR GBP and other indices. The Group</font><font style='font-family:Arial;font-size:8pt;' > considers the amendments to IAS 39 and IFRS 7 applicable in the case of uncertainties about the future cash flows.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >As of June 30, 2020, the Group estimates that there exist</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >generally</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >no uncertainties regarding the EURIBOR, as it has been replaced by a hyb</font><font style='font-family:Arial;font-size:8pt;' >rid EURIBOR which counts with a methodology that complies with the requirements of the different international institutions. In the case of the rest of the indices which are used for hedge accounting, despite the uncertainty, based on the reliefs which are</font><font style='font-family:Arial;font-size:8pt;' > foreseen in the standard, the hedging relations for the six-month period ended June 2020, have not been affected.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The assumptions made by the Group based on these reliefs are that in the case of cash flow hedges, those hedged cash flows will not be modifi</font><font style='font-family:Arial;font-size:8pt;' >ed because of the reform and, therefore, continue to comply with the requirement of the future transaction to be highly probable. Likewise, at the time of performing the effectiveness test, it is assumed that the reference indices will not be modified by t</font><font style='font-family:Arial;font-size:8pt;' >he reform.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The aforementioned project takes into account the different approaches and transition deadlines to the new RFRs</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >(risk-free rate)</font><font style='font-family:Arial;font-size:8pt;' > when evaluating the economic, operational, legal, financial, reputational or compliance risks associated with the transition, as well as when defining the action lines to mitigate them. A relevant aspect of this transition is its impact on contracts of fi</font><font style='font-family:Arial;font-size:8pt;' >nancial instruments referenced to IBORs maturing after 2021. In this regard, in the case of EONIA, BBVA aims to carry out a novation of contracts maturing after 2021. The Group already has new contractual clauses that incorporate the &#8364;STR as a substitute i</font><font style='font-family:Arial;font-size:8pt;' >ndex as well as contractual clauses to incorporate this index as the principal for new contracts. Regarding derivatives, in which EONIA is mainly used, the actions are carried out through the ISDA plan. In the case of LIBOR, there is an additional difficul</font><font style='font-family:Arial;font-size:8pt;' >ty related to uncertainty regarding its future. To anticipate, the Group is working on identifying the stock of contracts maturing after 2022 to determine its action plan (including - if possible - the novation of such contracts) and with a view to carryin</font><font style='font-family:Arial;font-size:8pt;' >g out actions in cooperation with banking associations. Meanwhile, in the case of EURIBOR, the European authorities have supported the continuity of the index and have supported modifications in its methodology so that it complies with the requirements of </font><font style='font-family:Arial;font-size:8pt;' >the European Reference Index Regulation. BBVA actively participates in various working groups, including the EURO RFR WG that works specifically, among other topics, in the definition of fallbacks in contracts</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The nominal amounts of the interest rate deri</font><font style='font-family:Arial;font-size:8pt;' >vatives included in the hedging accounting relations represent the approach of the risk exposure that the Group is managing and are directly affected by the reform and, as a consequence, affected by the temporary reliefs. The nominal amount of the hedging </font><font style='font-family:Arial;font-size:8pt;' >instruments directly affected by the IBOR reform</font><font style='font-family:Arial;font-size:8pt;' > </font><font style='font-family:Arial;font-size:8pt;' >as of June 30, 2020</font><font style='font-family:Arial;font-size:8pt;' > are the following:</font></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:417.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Millions of Euros </font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:11pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >LIBOR USD </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >LIBOR GBP</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Other - TIIE (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >TOTAL</font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash flow hedges</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,318</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >601</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,920</font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value hedges</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,667</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >299</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,621</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,588</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Standardsandinterpretationsnotenteredintoforce', window );">Standards And Interpretations Not Entered Into Force</a></td>
<td class="text"><div><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0pt;color:#004580;' >2.2    Standards </font><font style='font-family:Arial;font-size:10pt;font-weight:bold;color:#004580;' >and interpretations issued but not yet effective as of June 30, 2020</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >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 June 30, 2020. Although in so</font><font style='font-family:Arial;font-size:8pt;' >me cases the </font><font style='font-family:Arial;font-size:8pt;' >International Accounting Standards Board (&#8220;IASB&#8221;) </font><font style='font-family:Arial;font-size:8pt;' >allows early adoption before their effective date, the BBVA Group has not proceeded with this option for any such new standards.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 16 &#8211;Leases &#8211; COVID-19 modifications</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >On May 28, 2020, the </font><font style='font-family:Arial;font-size:8pt;' >IASB approved an amendment to IFRS 16 to include a practical expedient to the accounting treatment for rent concessions (moratoriums and temporary rent reductions) that occur due to COVID-19 (see Note 1.5).</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >The amendment permits lessees to account for rent</font><font style='font-family:Arial;font-size:8pt;' > concessions as if they were not lease modifications to the initial ones. It is applicable to rent concessions related to COVID-19, which reduces lease payments before June 30, 2021.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >This </font><font style='font-family:Arial;font-size:8pt;' >amendment is effective from June 1, 2020 and is expected to be endorsed by the European Union in the second half of 2020. The amendment is not expected to have a significant impact on the consolidated Financial Statements of the Group</font><font style='font-family:Arial;font-size:8pt;' >.</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;color:#004580;' >IFRS 17 &#8211; Insurance contracts</font></p><p style='text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;' ><font style='font-family:Arial;font-size:8pt;margin-left:0pt;' >This Standard will be applied to the accounting years </font><font style='font-family:Arial;font-size:8pt;' >starti</font><font style='font-family:Arial;font-size:8pt;' >ng on or after January 1, 2023.</font></p></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the known or reasonably estimable information relevant to assessing the possible impact that the application of a new IFRS, that has been issued but is not yet effective, will have.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 30<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_30_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197995704">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 2 - Principles of Consolidation, Accounting policies and measurement bases applied and recent IFRS pronouncements - Amortization Rate (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofprinciplesofconsolidationsaccountingpoliciesandmeasurementbasisandrecentifrspronouncementsabstract', window );"><strong>Principles Of Consolidations Accounting Policies And Measurement Basis And Recent IFRS Pronouncements</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Hedginginstrumentsaffectedbyibor', window );">Hedging Instruments Affected By IBOR</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:417.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Millions of Euros </font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:11pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >LIBOR USD </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >LIBOR GBP</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Other - TIIE (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >TOTAL</font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash flow hedges</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,318</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >601</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,920</font></td></tr><tr style='height:15pt;' ><td style='width:150.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:150.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value hedges</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,667</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >299</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,621</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,588</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202386568">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 5 - Operating Segments Reporting (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Operatingsegmentsreportingabstract', window );"><strong>Operating Segments Reporting</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalassetsoperatingsegment', window );">Group Total Assets Operating Segment</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Total assets by operating segments (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >419,475</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >365,380</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >101,118</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >88,529</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >103,671</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >109,079</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63,525</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >64,416</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >57,891</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >54,996</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Eurasia</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26,805</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >23,257</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal assets by operating segments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >772,485</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >705,656</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Corporate Center and adjustments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(18,661)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,967)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total assets BBVA Group</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >753,824</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >698,690</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Incomebyoperatingsegment', window );">Income By Operating Segment</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='9' rowspan='1' style='width:491.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:491.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Main margins and profit by operating segments (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td colspan='6' rowspan='1' style='width:279pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:279pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Operating segments</font></td><td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:33.75pt;' ><td style='width:119.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >BBVA Group</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Spain</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >The United </font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >States</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Mexico</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Turkey</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >South America</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Rest</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >of</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Eurasia</font></td><td style='width:46.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Corporate Center</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Net interest income</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,653</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,793</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,133</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,717</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,534</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,443</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >102</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(69)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gross income</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,045</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,900</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,607</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,550</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,957</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,664</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >268</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >98</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Operating income</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,533</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,371</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >648</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,349</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,394</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >945</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >131</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(307)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Profit/(loss) before tax</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(368)</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >124</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >891</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >715</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >297</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >89</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2,500)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Net attributable profit (loss)</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(1,157)</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >88</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >26</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >654</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >266</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >159</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >66</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(2,416)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Net interest income</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,941</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,763</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,217</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,042</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,353</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,613</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >85</font></td><td style='width:46.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(132)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gross income</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,944</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,773</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,615</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,901</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,677</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,994</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >220</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(236)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Operating income</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,069</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,145</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >655</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,611</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,084</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,215</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >78</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(718)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Profit/(loss) before tax</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,052</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,027</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >363</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,783</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >726</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >847</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >69</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(762)</font></td></tr><tr style='height:11.25pt;' ><td style='width:119.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:119.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Net attributable profit (loss)</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,442</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >734</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >297</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,287</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >282</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >404</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >55</font></td><td style='width:46.5pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:46.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(616)</font></td></tr></table></div><span></span>
</td>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Income By Operating Segment</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Incomebyoperatingsegment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Operatingsegmentsreportingabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalassetsoperatingsegment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Total Assets Operating Segment by BBVA Group</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalassetsoperatingsegment</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170413448">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 6 - Risk Management (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OperationsandamountsfromthemoratoriumsgivenbythegroupAbstract', window );">Operations And Amounts From The Moratoriums Given By The Group</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='9' rowspan='1' style='width:606pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:606pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >COVID-19 support programs  (Millions of Euros) </font></td></tr><tr style='height:27pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:10pt;color:#000000;' ></font></td><td colspan='4' rowspan='1' style='width:267pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:267pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Deferment of payments</font></td><td colspan='2' rowspan='1' style='width:133.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Financing with </font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >public guarantees</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td></tr><tr style='height:45pt;' ><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Existing </font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Completed</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total </font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Number of</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' > customers</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total </font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Number of</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >customers</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total </font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >deferment of payments</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' > and guarantees</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >(%) credit investment</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' >Group </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >29,668  </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,590  </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >36,259  </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,138,894</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,791  </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >196,186</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >50,050  </font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11.9%</font></td></tr></table></div><span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Operationsandamountsfromtheloansgivenbythegroupwithpublicguarantees', window );">Operations And Amounts From The Loans Given By The Group With Public Guarantees</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='5' rowspan='1' style='width:417pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:417pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >COVID-19 support programs  (Millions of Euros) </font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:10pt;color:#000000;' ></font></td><td colspan='3' rowspan='1' style='width:173.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:173.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Deferment of payments</font></td><td colspan='1' rowspan='2' style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Financing with</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' > public guarantees</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:57.75pt;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:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Existing </font></td><td style='width:57.75pt;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:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Completed</font></td><td style='width:57.75pt;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:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Group</font></td><td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >29,668</font></td><td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,590</font></td><td style='width:57.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >36,259</font></td><td style='width:82.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >13,791</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Customers</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17,975</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,563</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >21,538</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >863</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mortgages</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,318</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,152</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,470</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >SMEs</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,397</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >792</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,189</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,723</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,006</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,221</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,227</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,126</font></td></tr><tr style='height:12.75pt;' ><td style='width:161.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:161.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >290</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14</font></td><td style='width:57.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:57.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >304</font></td><td style='width:82.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:82.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >79</font></td></tr></table></div><span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Principalgeographicalareasgdp', window );">Principal Geographical Areas GDP</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='10' rowspan='1' style='width:615pt;text-align:left;vertical-align:bottom;background-color:#E9E9E9;border-color:Black;min-width:615pt;' ><font style='font-family:Arial;font-size:6pt;color:#02A5A5;' >Estimate of GDP, unemployment rate and HPR for the main geographies</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' ></font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Spain</font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Mexico</font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >The United States</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Date</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >HPR</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >HPR</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >HPR</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2020</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(11.54%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >20.49%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(4.08%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(9.97%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.59%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.02%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(4.40%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7.82%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(0.33%)</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2021</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >17.33%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(5.24%)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.08%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.45%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(1.53%)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.58%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >5.02%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(0.39%)</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2022</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.94%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >15.68%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >6.28%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.18%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.03%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >0.09%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.36%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.24%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.86%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2023</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.09%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >14.42%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >5.01%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.49%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.06%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(0.02%)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.08%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.09%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.59%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2024</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.07%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >13.25%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.65%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.05%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >0.67%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.09%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.10%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.14%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2025</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.00%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >12.11%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.11%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.46%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.02%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >0.95%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.11%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.10%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.55%</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Peru</font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Argentina</font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Colombia</font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Turkey</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Date</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >GDP</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#072146;' >Unemployment</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2020</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(14.97%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >30.07%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(5.94%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >14.23%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >(3.07%)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >16.95%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >0.15%</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >14.03%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2021</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >8.86%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >13.10%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.54%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.98%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >14.13%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >5.04%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >13.43%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2022</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.48%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.02%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.23%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2.64%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.81%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.53%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.78%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2023</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.68%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.39%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.96%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >9.70%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.32%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.63%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.52%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.38%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2024</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.63%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.30%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.97%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >8.75%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.47%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.42%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.51%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.23%</font></td></tr><tr style='height:12.75pt;' ><td style='width:61.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >2025</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.21%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.20%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >1.99%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7.78%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >3.70%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11.22%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >4.50%</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >10.03%</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfCreditRiskExposureExplanatory', window );">Credit Risk Exposure</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='6' rowspan='1' style='width:490.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:490.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#02A5A5;' >Maximum credit risk exposure (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 3</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets held for trading </font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >70,093</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >26,640</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >5,862</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >37,591</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >4,998</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >690</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >250</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,058</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' >11</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >1,098</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Derivatives (trading and hedging) </font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >51,649</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >70,207</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >68,385</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >68,079</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >5</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >301</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >12</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,789</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >12</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets at amortized cost</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >463,887</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >413,517</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >34,686</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >15,684</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to central banks</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,792</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,792</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >14,859</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >14,822</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >32</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >400,764</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >350,558</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,568</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >15,637</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >43,473</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >43,346</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >86</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >41</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Total financial assets risk</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >661,932</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Total loan commitments and financial guarantees</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >184,046</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >171,130</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >11,987</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >929</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loan commitments given</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >134,494</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >126,310</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7,957</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >227</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Financial guarantees given</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10,989</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9,709</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,020</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >261</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Other commitments given</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >38,563</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >35,111</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,010</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >441</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total maximum credit exposure</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >845,978</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='6' rowspan='1' style='width:490.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:490.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#02A5A5;' >Maximum credit risk exposure (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Stage 3</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets held for trading </font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >69,503</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >26,309</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >8,892</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,303</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >5,557</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,120</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >110</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,327</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004580;' >11</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >1,214</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Derivatives (trading and hedging) </font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >39,462</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:18.75pt;' ><td style='width:224.25pt;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:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >61,293</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >58,841</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >58,590</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >250</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Equity instruments</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >12</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,420</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >12</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Financial assets at amortized cost</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >451,640</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >402,024</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >33,624</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >15,993</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to central banks</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,285</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,285</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >13,664</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >13,500</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >158</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >394,763</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >345,449</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33,360</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >15,954</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Debt securities</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >38,930</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >38,790</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >106</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >33</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Total financial assets risk</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >628,670</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >Total loan commitments and financial guarantees</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >181,116</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >169,663</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >10,452</font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#004481;' >1,001</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Loan commitments given</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >130,923</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >123,707</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6,945</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >270</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Financial guarantees given</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10,984</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9,804</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >955</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >224</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Other commitments given</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >39,209</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >36,151</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,552</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >506</font></td></tr><tr style='height:10.5pt;' ><td style='width:224.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:224.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total maximum credit exposure</font></td><td style='width:53.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >809,786</font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:53.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:53.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr></table></div><span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskexposurebygeographicalareaexplanatory', window );">Credit Risk Exposure By Geographical Area</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='13' rowspan='1' style='width:571.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:571.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#02A5A5;' >June 2020 (Millions of Euros)</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' ></font></td><td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Gross exposure</font></td><td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Accumulated allowances</font></td><td colspan='4' rowspan='1' style='width:153pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:153pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Carrying amount</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#072146;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Spain (*)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >206,649</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >184,249</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >14,077</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >8,323</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(5,734)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(824)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(785)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(4,125)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >200,915</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >183,425</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >13,292</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,198</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >The United States</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >61,572</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >52,860</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7,939</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >773</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,028)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(317)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(471)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(240)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >60,544</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >52,542</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7,468</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >533</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Mexico</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >51,414</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >45,386</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,833</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,194</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,972)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(761)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(459)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(752)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >49,442</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >44,626</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,374</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >442</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Turkey (**)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >44,061</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >36,113</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,417</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,532</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(2,865)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(215)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(600)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(2,050)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >41,196</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >35,898</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,817</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,482</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >South America (***)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >36,202</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >31,099</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,298</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,804</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,944)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(390)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(422)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,131)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,258</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >30,709</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,876</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >672</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Others </font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >866</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >851</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >5</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >10</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(9)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(7)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >857</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >850</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3</font></td></tr><tr style='height:12.75pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:112.5pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total (****)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >400,764</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >350,558</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >34,568</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >15,637</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(13,552)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(2,508)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(2,736)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(8,307)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >387,212</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >348,050</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >31,832</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:38.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >7,330</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='13' rowspan='1' style='width:799.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:799.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#02A5A5;' >December 2019 (Millions of Euros)</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Gross exposure</font></td><td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Accumulated allowances</font></td><td colspan='4' rowspan='1' style='width:225pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:225pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Carrying amount</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#072146;' ></font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Total</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 1</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 2</font></td><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;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#072146;' >Stage 3</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Spain (*)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >197,058</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >173,843</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >14,599</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >8,616</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(5,311)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(712)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(661)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(3,939)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >191,747</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >173,131</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >13,939</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,677</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >The United States</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >57,387</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >49,744</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7,011</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >632</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(688)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(165)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(342)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(182)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >56,699</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >49,580</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6,670</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >450</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Mexico</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >60,099</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >54,748</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,873</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,478</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(2,013)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(697)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(404)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(912)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >58,087</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >54,052</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,469</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >566</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Turkey (**)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >43,113</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,536</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >5,127</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >3,451</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(2,613)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(189)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(450)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,974)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >40,500</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,347</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >4,677</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,477</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >South America (***)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >36,265</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >31,754</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,742</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >1,769</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,769)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(366)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(323)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1,079)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >34,497</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >31,388</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2,419</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >690</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Others </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >839</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >824</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >7</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >9</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(8)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(1)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >(6)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >832</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >823</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >6</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:124.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:124.5pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total (****)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >394,763</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >345,449</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >33,360</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >15,954</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(12,402)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(2,129)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(2,181)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >(8,093)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >382,360</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >343,320</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >31,179</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:56.25pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >7,861</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesbreakdownbycounterparty', window );">Loans And Advances Breakdown By Counterparty</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:8.25pt;' ><td colspan='9' rowspan='1' style='width:755.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:755.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#02A5A5;' >June 2020 (Millions of Euros)</font></td></tr><tr style='height:29.25pt;' ><td style='width:203.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Central banks</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >General governments</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Credit institutions</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Other financial corporations</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Non-financial corporations</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Households</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Gross carrying amount</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By product</font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >On demand and short notice</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >37</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >164</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >2,126</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >516</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >2,844</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,048</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Credit card debt</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >9</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,555</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >11,717</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >13,283</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,486</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Commercial debtors</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >796</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >470</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >12,805</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >71</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,142</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,444</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Finance leases</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >195</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >5</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >7,561</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >351</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,113</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,474</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Reverse repurchase loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >430</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >2,269</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >887</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >60</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,647</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,656</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Other term loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >4,311</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >25,930</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,793</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,518</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >153,588</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >154,750</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >350,890</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >362,342</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Advances that are not loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >32</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >377</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,812</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,489</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,437</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >486</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,632</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,688</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >LOANS AND ADVANCES</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >4,773</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >27,343</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >14,875</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >13,535</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >179,132</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >167,892</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >407,549</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >421,137</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By secured loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: mortgage loans collateralized by immovable property</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >953</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >300</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >30,850</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >106,609</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >138,712</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >142,457</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: other collateralized loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >430</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >4,660</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >1,763</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >1,629</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >16,238</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >4,675</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >29,396</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >29,986</font></td></tr><tr style='height:11.1pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By purpose of the loan</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: credit for consumption</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >43,048</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >43,048</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >46,148</font></td></tr><tr style='height:12.75pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: lending for house purchase</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >108,159</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >108,159</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >110,005</font></td></tr><tr style='height:12.75pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By subordination</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:203.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:203.25pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: project finance loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,047</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,047</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,328</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='9' rowspan='1' style='width:765.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:765.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#02A5A5;' >December 2019 (Millions of Euros)</font></td></tr><tr style='height:24.75pt;' ><td style='width:213.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Central banks</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >General governments</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Credit institutions</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Other financial corporations</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Non-financial corporations</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Households</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Total</font></td><td style='width:69pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#072146;' >Gross carrying amount</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By product</font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >On demand and short notice</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >9</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >118</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >2,328</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >595</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,050</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,251</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Credit card debt</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >10</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,940</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >14,401</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >16,355</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >17,608</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Commercial debtors </font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >971</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >230</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >15,976</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >99</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >17,276</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >17,617</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Finance leases</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >227</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >6</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,091</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >387</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >8,711</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >9,095</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Reverse repurchase loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,817</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >26</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,843</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >1,848</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Other term loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >4,240</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >26,734</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >4,121</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >7,795</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >137,934</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >160,223</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >341,047</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >351,230</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >Advances that are not loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >35</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >865</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >7,743</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >3,056</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >951</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >506</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >13,156</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;color:#000000;' >13,214</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >LOANS AND ADVANCES</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >4,275</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >28,816</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >13,682</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >11,208</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >167,246</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >176,211</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >401,438</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-weight:bold;color:#FFFFFF;' >413,863</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By secured loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: mortgage loans collateralized by immovable property</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >1,067</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >15</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >261</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >23,575</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >111,085</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >136,003</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >139,317</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: other collateralized loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >-</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >10,447</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >93</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >2,106</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >29,009</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >6,893</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >48,548</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >49,266</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By purpose of the loan</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: credit for consumption</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >46,356</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >46,356</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >49,474</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: lending for house purchase</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >110,178</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >110,178</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >111,636</font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;color:#808080;' >By subordination</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:213.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:213.75pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#808080;' >Of which: project finance loans</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,259</font></td><td style='width:69pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' ></font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,259</font></td><td style='width:69pt;text-align:right;vertical-align:middle;border-color:Black;min-width:69pt;' ><font style='font-family:Arial;font-size:5pt;font-style:italic;color:#666666;' >12,415</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteereceived', window );">Financial Guarantee received</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Guarantees received (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Value of collateral</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >157,585 </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >152,454 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: guarantees normal risks under special monitoring</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >14,983 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >14,623 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: guarantees non-performing risks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >4,204 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >4,590 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Value of other guarantees</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >55,840 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >35,464 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: guarantees normal risks under special monitoring</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >4,239 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >3,306 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: guarantees non-performing risks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >559 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >542 </font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total value of guarantees received</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >213,425 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >187,918 </font></td></tr></table></div><span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesimpairedandaccumulatedimpairment', window );">Loans And Advances Impaired And Accumulated Impairment by Sectors</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:13.15pt;' ><td colspan='5' rowspan='1' style='width:538.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:538.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >June 2020 (Millions of Euros)</font></td></tr><tr style='height:45pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Gross carrying amount</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Non-performing loans and advances</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Accumulated impairment</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Non-performing loans and advances as a % of the total</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Central banks</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,792</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27,342</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >77</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(83)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.3%</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,859</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(17)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,585</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(50)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.1%</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >185,821</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,190</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(7,224)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.4%</font></td></tr><tr style='height:13.15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >174,015</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,352</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,195)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.2%</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >LOANS AND ADVANCES</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >420,414</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15,643</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(13,588)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3.7%</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='5' rowspan='1' style='width:538.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:538.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >December 2019 (Millions of Euros)</font></td></tr><tr style='height:45pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#003366;' ></font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Gross carrying amount</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Non-performing loans and advances</font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Accumulated impairment </font></td><td style='width:72pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Non-performing loans and advances as a % of the total</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Central Banks</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,285</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:72pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,281</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >88</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(60)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.3%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,664</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(15)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,239</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(31)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.2%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >173,254</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,467</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,465)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.9%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >181,989</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,381</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5,847)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.1%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >LOANS AND ADVANCES</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >412,711</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15,959</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,427)</font></td><td style='width:72pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:72pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3.9%</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Changesinimpairedfinancialassetsandcontingentrisks', window );">Changes In Impaired Financial Assets And Contingent Risks</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Changes in impaired financial assets and guarantees given (Millions of Euros)</font></td></tr><tr style='height:27.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the beginning </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >16,770</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >17,134</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Additions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,581</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,857</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Decreases (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2,517)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5,874)</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Net additions</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,064</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,983</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Amounts written-off</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,778)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(3,803)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exchange differences and other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(322)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(544)</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the end </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >16,734</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >16,770</font></td></tr></table></div><span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Changesinvaluecorrectionsloansandadvancesatamortizedcost', window );">Changes In Value Corrections Loans And Advances At Amortized Cost</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Changes in loss allowances of loans and advances at amortized cost (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><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:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the beginning of the period </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,427)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,217)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Increase in loss allowances charged to income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,723)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(10,236)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,603)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,650)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,771)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,923)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(3,350)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6,664)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Decrease in loss allowances charged to income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,070</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,990</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >960</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,312</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >812</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,298</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Stage 3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,298</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,380</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transfer to written-off loans, exchange differences and other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,493</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,036</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' > Closing balance</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(13,588)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,427)</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the changes in impaired financial assets and contingent risks</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Changesinimpairedfinancialassetsandcontingentrisks</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Changesinvaluecorrectionsloansandadvancesatamortizedcost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Changesinvaluecorrectionsloansandadvancesatamortizedcost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disclosureofcreditriskexposurebygeographicalareaexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureofcreditriskexposurebygeographicalareaexplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialguaranteereceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialguaranteereceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancesbreakdownbycounterparty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the loans and advances, breakdown by counterparty</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancesbreakdownbycounterparty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancesimpairedandaccumulatedimpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the loans and advances impaired and accumulated imparment by sectors</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancesimpairedandaccumulatedimpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Operationsandamountsfromtheloansgivenbythegroupwithpublicguarantees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Operationsandamountsfromtheloansgivenbythegroupwithpublicguarantees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OperationsandamountsfromthemoratoriumsgivenbythegroupAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OperationsandamountsfromthemoratoriumsgivenbythegroupAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Principalgeographicalareasgdp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Principalgeographicalareasgdp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfCreditRiskExposureExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the credit risk exposure. Credit risk exposure is the credit risk inherent in an entity&#8217;s financial assets and commitments to extend credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35M<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfCreditRiskExposureExplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202470824">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 7 - Fair Value (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsDesignatedAsMeasuredAtFairValueAbstract', window );"><strong>Fair Value Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcarryingvalueandfairvalueexplanatory', window );">Carrying Value And Fair Value</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:636.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:636.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fair value and carrying amount (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:329.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td colspan='2' rowspan='1' style='width:123pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:123pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December  2019</font></td></tr><tr style='height:30pt;' ><td style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Carrying Amount</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair Value</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Carrying Amount</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair Value</font></td></tr><tr style='height:11.25pt;' ><td style='width:329.25pt;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:329.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >ASSETS</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash, cash balances at central banks and other demand deposits</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >65,877</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >65,877</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44,303</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44,303</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets held for trading</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >119,332</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >119,332</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >102,688</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >102,688</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,998</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,998</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,557</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,557</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,098</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,098</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,214</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,214</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >70,045</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >70,045</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >61,183</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >61,183</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at amortized cost</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >450,222</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >452,719</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >439,162</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >442,788</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives - Hedge accounting</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,531</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,531</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,729</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,729</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >LIABILITIES</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities held for trading </font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >108,624</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >108,624</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >89,633</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >89,633</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value through profit or loss </font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,203</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,203</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,010</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,010</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities at amortized cost </font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >21</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >559,713</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >557,678</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >516,641</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >515,910</font></td></tr><tr style='height:15.95pt;' ><td style='width:329.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:329.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives - Hedge accounting</font></td><td style='width:61.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,368</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,368</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,233</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,233</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoffinancialinstrumentsatfairvaluebylevelsexplanatory', window );">Financial Instruments At Fair Value By Levels</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='7' rowspan='1' style='width:724.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:724.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fair value of financial instruments by levels (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#094FA4;' ></font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td colspan='3' rowspan='1' style='width:184.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:184.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 1</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 2</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 3</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 1</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 2</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Level 3</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;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:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >ASSETS</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Cash, cash balances at central banks and other demand deposits</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >65,686</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >191</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >44,111</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >192</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial assets held for trading</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >30,604</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >86,964</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,763</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >31,135</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >70,045</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,508</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,483</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33,848</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,261</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >697</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >32,321</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,285</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt securities </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,246</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,304</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >89</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18,076</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,178</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Equity instruments </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,751</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >82</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,832</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >59</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Derivatives</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,124</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >41,785</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >331</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,530</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >29,546</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >109</font></td></tr><tr style='height:22.5pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,629</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,224</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,145</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >4,305</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >92</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,160</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >152</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >538</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >82</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,038</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt securities </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >205</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >45</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >91</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Equity instruments</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,477</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,019</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >562</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,223</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >103</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >925</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >172</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,214</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt securities </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >925</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >172</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,214</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >57,066</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >12,129</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >849</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >50,896</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >9,203</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,084</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt securities </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55,780</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,990</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >452</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49,070</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,057</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >604</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Equity instruments</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,254</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >139</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >397</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,794</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >146</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >480</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial assets at amortized cost</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >32,880</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >26,566</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >393,273</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >29,391</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >217,279</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >196,119</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Derivatives &#8211; Hedge accounting</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >153</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,370</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >8</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >44</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,685</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >LIABILITIES</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial liabilities held for trading </font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >26,953</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >80,095</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,576</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >26,266</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >62,541</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >827</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Deposits</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,727</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >37,828</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,082</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,595</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >32,121</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >649</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Trading derivatives</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,612</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >41,048</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >494</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,425</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >30,419</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >175</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Short positions</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,614</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,219</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,246</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:20.1pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial liabilities designated at fair value through profit or loss</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >8,120</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >1,083</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >9,984</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >27</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Customer deposits</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >914</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >944</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Debt certificates</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,119</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,083</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,629</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other financial liabilities</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,087</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,410</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial liabilities at amortized cost </font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >92,354</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >314,925</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >150,399</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >67,229</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >289,599</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >159,082</font></td></tr><tr style='height:11.25pt;' ><td style='width:355.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:355.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Derivatives &#8211; Hedge accounting</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >48</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,287</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >34</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >30</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >2,192</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:61.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >11</font></td></tr></table></div><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Carrying Value And Fair Value</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Financial Instruments At Fair Value By Levels</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664232485352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 8 - Cash, Cash balances at central banks and other demand deposits (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostabstract', window );"><strong>Cash, Cash balances at central banks and other demand deposits</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofcashandcashequivalentsexplanatory', window );">Cash, Cash balances at central banks and other demand deposit</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Cash, cash balances at central banks and other demand deposits (Millions of Euros)</font></td></tr><tr style='height:24.95pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash on hand</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,669</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,060</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cash balances at central banks (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >54,442</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >31,755</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other demand deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,766</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,488</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >65,877</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >44,303</font></td></tr></table></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the cash, cash balances at central banks and other demand deposits</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664233526872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 9 - Financial assets and liabilities held for trading (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2019</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingAbstract', window );"><strong>Financial assets and liabilities held for trading</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsandliabilitiesheldfortrading', window );">Financial assets and liabilities held for traiding</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets and liabilities held for trading (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >ASSETS</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49,239</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33,185</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Equity instruments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,862</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,892</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26,640</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26,309</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Issued by central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1,125</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >840</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Issued by public administrations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >23,642</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >23,918</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Issued by financial institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >838</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >679</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other debt securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1,035</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >872</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >37,591</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >34,303</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances to central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >636</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >535</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Reverse repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >636</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >535</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances to credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >24,912</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >21,286</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Reverse repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >24,857</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >21,219</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >12,044</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >12,482</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Reverse repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >11,026</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >12,187</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total  assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >119,332</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >102,688</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >LIABILITIES</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#E7E6E6;' ></font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >50,154</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >35,019</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Short positions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,832</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,249</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >46,637</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >42,365</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Deposits from central banks </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5,685</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >7,635</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >5,685</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >7,635</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Deposits from credit institutions </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >28,617</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >24,969</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >28,214</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >24,578</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Customer deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >12,335</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >9,761</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Repurchase agreement</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >12,271</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >9,689</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total  liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >108,624</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >89,633</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialassetsandliabilitiesheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the financial assets and liabilities held for trading</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialassetsandliabilitiesheldfortrading</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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</DOCUMENT>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664232462248">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 10 - Non-trading financial assets mandatorily at fair value throug profit or loss (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Nontradingfinancialassetsmandatoryatfairvaluethroughprofitorlossabstract', window );"><strong>Non trading financial assets mandatory at fair value through profit or loss Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss', window );">Table of Non trading financial assets mandatory at fair value through profit or loss</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:24.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:14.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Equity instruments</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,058</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,327</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt securities</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >250</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >110</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >690</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,120</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,998</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >5,557</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Nontradingfinancialassetsmandatoryatfairvaluethroughprofitorlossabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the non trading financial assets mandatory at fair value through profit or loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tableofnontradingfinancialassetsmandatoryatfairvaluethroughprofitorloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<FILENAME>R65.htm
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664218927704">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 11 - Financial Instruments designated at fair value through profit or loss (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoffinancialassetsandliabilitiesdesignatedatfairvaluethroughprofitorlossabstract', window );"><strong>Financial assets and liabilities designated at fair value through profit or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableoffinancialinstrumentsdesignatedatfairvaluethroughprofitorlossexplanatory', window );">Financial Instruments designated at fair value through profit or loss</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:24pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets and liabilities designated at fair value through profit or loss (Millions of Euros)</font></td></tr><tr style='height:18pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >ASSETS</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt securities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,098</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,214</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,098 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,214 </font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >LIABILITIES</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >914</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >944</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt certificates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,202</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,656</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial liabilities: Unit-linked products</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,087</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,410</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >9,203</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >10,010</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Financial Instruments designated at fair value through profit or loss</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170646040">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 12 - Financial assets at fair value through other comprehensive income (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoffinancialassetsatfairvaluethroughothercomprehensiveincomeexplanatory', window );">Disclosure Of Financial Assets At Fair Value Through Other Comprehensive Income Explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets at fair value through other comprehensive income (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:14.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Equity instruments</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,789</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,420</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt securities (*)</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >68,223</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >58,731</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >70,045</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >61,183</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: loss allowances of debt securities</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(162)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(110)</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomeequityinstruments', window );">Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='5' rowspan='1' style='width:391.5pt;text-align:left;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:391.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets at fair value through other comprehensive income. Equity instruments (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Amortized cost</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value </font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Amortized cost</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value </font></td></tr><tr style='height:13.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Listed equity instruments</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spanish companies shares</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,182</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,141</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,181</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,674</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Foreign companies shares</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >140</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >199</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >136</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >213</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >The United States</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >31</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >79</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >30</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >78</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Mexico</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >29</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >34</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Turkey</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >3</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >6</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >3</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Other countries</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >106</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >85</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >102</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >96</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal </font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,322</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,340</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,317</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,886</font></td></tr><tr style='height:13.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Unlisted equity instruments</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spanish companies shares</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Foreign companies shares </font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >376</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >444</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >450</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >528</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >The United States</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >318</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >351</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >387</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >419</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Mexico</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >1</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Turkey</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >6</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >9</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >9</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Other countries</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >52</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >83</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >57</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >99</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >381</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >449</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >454</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >533</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,703</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,789</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,772</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,420</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecurities', window );">Financial Assets At Fair Value Through Other Comprehensive Income Debt Securities</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='5' rowspan='1' style='width:391.5pt;text-align:left;vertical-align:middle;background-color:#F2F2F2;border-color:Black;min-width:391.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets at fair value through other comprehensive income. Debt securities (Millions of Euros)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0066CC;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Amortized cost </font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Amortized cost </font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Domestic debt securities</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government and other government agency debt securities</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,151</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,913</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >20,740</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >21,550</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,050</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,110</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >959</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,024</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other issuers</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >899</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >936</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >907</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >947</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal </font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >30,100</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >30,959</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >22,607</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >23,521</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Foreign debt securities</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Mexico</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >7,224</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >7,375</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >7,790</font></td><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >7,786</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government and other government agency debt securities</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,359</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,527</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,869</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,868</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >62</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >77</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >78</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other issuers</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >803</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >786</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >843</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >840</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >The United States</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >10,267</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >10,421</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >11,376</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >11,393</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government securities </font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,572</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,698</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,570</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,599</font></td></tr><tr style='height:22.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >Treasury and other government agencies</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >4,049</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >4,113</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5,595</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >5,624</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >States and political subdivisions </font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >2,523</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >2,585</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >2,975</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#808080;' >2,975</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >157</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >158</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >122</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >124</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other issuers</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,538</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,565</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,684</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,670</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Turkey</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,801</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,840</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,752</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >3,713</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government and other government agency debt securities</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,801</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,840</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,752</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,713</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Other countries</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >15,143</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >15,628</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >11,870</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >12,318</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other foreign governments and other government agency debt securities</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,519</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,861</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,963</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,269</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Central banks</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,481</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,484</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,005</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,010</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,425</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,517</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,795</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,892</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other issuers</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,717</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,766</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,106</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,147</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal </font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >36,436</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >37,264</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >34,788</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >35,210</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >66,536</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >68,223</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >57,395</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >58,731</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyrating', window );">Financial Assets At Fair Value Through Other Comprehensive Income Debt Securities By Rating</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Debt securities by rating</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:9pt;font-weight:bold;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:133.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:133.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td></tr><tr style='height:33.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Fair value</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >(Millions of Euros)</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >%</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:9pt;color:#000000;' >AAA</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,806</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14.4%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >AA+</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >834</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1.2%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >AA</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >300</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.4%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >AA-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >626</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.9%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >A+</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,796</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5.6%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >A</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,180</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3.2%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:9pt;color:#000000;' >A-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >31,076</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >45.6%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBB+</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,442</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10.9%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBB</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,137</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4.6%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBB-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,691</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5.4%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BB+ or below</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,925</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7.2%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:9pt;color:#000000;' >Unclassified</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >412</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >0.6%</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >68,223</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >100.0%</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedothercomprehensiveincomeitemsthatmaybereclassifiedtoprofitorlossavailableforsalefinancialassets', window );">Accumulated other comprehensive income items that may be reclassified to profit or loss available for sale debt securities</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='6' rowspan='1' style='width:395.25pt;text-align:left;vertical-align:top;background-color:#E9E9E9;border-color:Black;min-width:395.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other comprehensive income - Changes in gains / losses (Millions of Euros)</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:10pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Debt securities </font></td><td colspan='2' rowspan='1' style='width:102pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:102pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Equity instruments</font></td></tr><tr style='height:22.5pt;' ><td style='width:140.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:10pt;color:#000000;' ></font></td><td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the beginning </font></td><td style='width:51pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,760</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >943</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(403)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(155)</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Valuation gains and losses</font></td><td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:9pt;color:#004FA4;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >137</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,267</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(562)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(238)</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Amounts transferred to income</font></td><td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:9pt;color:#004FA4;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(71)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(119)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#BFBFBF;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Income tax</font></td><td style='width:51pt;text-align:center;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:9pt;color:#004FA4;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(331)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(10)</font></td></tr><tr style='height:12.75pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance at the end</font></td><td style='width:51pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >27</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,830</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,760</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(940)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(403)</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the accumulated other comprehensive income items that may be reclassified to profit or loss available for sale financial assets</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the financial assets at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the financial assets at fair value through other comprehensive income, in particular debt securities</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the financial assets at fair value through other comprehensive income, in particular debt securities by ranking</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the financial assets at fair value through other comprehensive income, in particular equity instruments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202414424">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 13 - Financial assets at amortised cost (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoffinancialassetsatamortisedcostabstract', window );"><strong>Financial Assets At Amortised Cost</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableoffinancialassetsatamortisedcost', window );">Table of Financial Assets At Amortised Cost</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial assets at amortized cost (Millions of Euros)</font></td></tr><tr style='height:26.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >Debt securities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >43,396</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >38,877</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >Loans and advances to central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >4,773</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >4,275</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >Loans and advances to credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >14,842</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >13,649</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004580;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >387,212</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >382,360</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Government</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27,259</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,222</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,535</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,207</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >178,598</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >166,789</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >167,820</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >176,142</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >450,222</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >439,162</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: impaired assets of loans and advances to customers (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >15,637</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >15,954</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: loss allowances of loans and advances (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(13,588)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(12,427)</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: loss allowances of debt securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(77)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#808080;' >(52)</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfLoansAndAdvancesToCustomersExplanatory', window );">Disclosure Of Loans And Advances To Customers Explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Loans and advances to customers (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >On demand and short notice</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:9pt;color:#094FA4;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,844</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,050</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit card debt</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,283</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >16,354</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Trade receivables</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,142</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17,276</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Finance leases</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,113</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,711</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Reverse repurchase agreements</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >947</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other term loans</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >342,180</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >332,160</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Advances that are not loans</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,704</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,784</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >387,212</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >382,360</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the financial assets at amortized cost</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of loans and advances to customers. [Refer: Loans and advances to customers]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664219011768">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 14 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofhedgingderivativesandfairvaluechangesofthehedgeditemsinportfoliohedgeofinterestrateriskabstract', window );"><strong>Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory', window );">Table of Derivatives - Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:23.25pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Derivatives &#8211; Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >ASSETS</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives - Hedge accounting</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#094FA4;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,531</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,729</font></td></tr><tr style='height:22.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value changes of the hedged items in portfolio hedges of interest rate risk</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#094FA4;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >60</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >LIABILITIES</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Derivatives - Hedge accounting</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#094FA4;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,368</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,233</font></td></tr></table></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of detailed information about hedging instruments. [Refer: Hedging instruments [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 24A<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24A&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664231073448">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 15 - Investments in subsidiaries, joint ventures and associates (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociatesAbstract', window );"><strong>Investments in subsidiaries, joint ventures and associates</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfJointVenturesExplanatory', window );">Associates Entities and joint ventures. Breakdown by entities</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Joint ventures and associates (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Joint ventures</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >150</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >154</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Associates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,216</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,334</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,366</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,488</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of joint ventures. [Refer: Joint ventures [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2019-01-01<br> -Paragraph 17<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_17_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2019-01-01<br> -Paragraph 16<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_16_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B4<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B4_b&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br></p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202432520">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 16 - Tangible assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoftangibleassetsabstract', window );"><strong>Tangible assets Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tangibleassetsbreakdownbytypeofassetcostvalueamortisationsandimpairments', window );">Tangible assets Breakdown by type of asset, Cost value, amortisations and impairments</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:bottom;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Tangible assets. Breakdown by type  (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Property plant and equipment </font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >8,796</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >9,816</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >For own use</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >8,578</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >9,554</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Land and buildings</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,584</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,001</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Work in progress</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >56</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Furniture, fixtures and vehicles</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,954</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,351</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Right to use assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,382</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,516</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accumulated depreciation</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5,957)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5,969)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(447)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(402)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Leased out under an operating lease</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >217</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >263</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Assets leased out under an operating lease</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >280</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >337</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accumulated depreciation</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(62)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(74)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Investment property</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >261</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >252</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Building rental </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >228</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >211</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Right to use assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >83</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >101</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accumulated depreciation</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(16)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(24)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(38)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(39)</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >9,057</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >10,068</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170836488">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 17 - Intangible assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsAbstract', window );"><strong>Intangible Assets and Goodwill Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory', window );">Goodwill. Breakdown by CGU and Changes of the year</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='9' rowspan='1' style='width:543pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:543pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Goodwill. Breakdown by CGU and changes of the period (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:135pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >The United States</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Turkey</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Mexico</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Colombia</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Chile</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Other</font></td><td style='width:51pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:51pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance as of December 31, 2018</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >5,066</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >382</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >519</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >161</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >29</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >23</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,180</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exchange difference</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >98</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(36)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >31</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >93</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,318)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,318)</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance as of December 31, 2019</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,846</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >346</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >550</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >164</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >27</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >22</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,955</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exchange difference</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >58</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(45)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(100)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(21)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(111)</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2,084)</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:51pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2,084)</font></td></tr><tr style='height:15pt;' ><td style='width:135pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:135pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Balance as of June 30, 2020</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,820</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >301</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >450</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >143</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >25</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >21</font></td><td style='width:51pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:51pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,760</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmenttesthypothesescgugoodwillintheunitedstates', window );">Impairment Test Hypotheses CGU Goodwill In The United States</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Impairment test assumptions CGU goodwill in the United States </font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >March 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:15pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Discount rate</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10.3%</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10.0%</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Growth rate</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3.0%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3.5%</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Sensitivityanalysisformainhypothesesusa', window );">Sensitivity Analysis For Main Hypotheses USA</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:437.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:437.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Sensitivity analysis for main assumptions - The United States (Millions of Euros)</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Increase of 50 basis points (*)</font></td><td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Decrease of 50 basis points (*)</font></td></tr><tr style='height:21pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Discount rate</font></td><td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(755)</font></td><td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >869</font></td></tr><tr style='height:19.5pt;' ><td style='width:140.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:140.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Growth rate</font></td><td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >270</font></td><td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(235)</font></td></tr></table></div><span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmenttesthypothesescgugoodwillinturkey', window );">Impairment Test Hypotheses CGU Goodwill In Turkey</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Impairment test assumptions CGU goodwill in Turkey</font></td></tr><tr style='height:29.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >March 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:14.45pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Discount rate</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18.1%</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17.4%</font></td></tr><tr style='height:14.45pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Growth rate</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7.0%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7.0%</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Sensitivityanalysisformainhypothesesturkey', window );">Sensitivity Analysis For Main Hypotheses Turkey</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:400.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:400.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Sensitivity analysis for main assumptions - Turkey (Millions of Euros)</font></td></tr><tr style='height:41.25pt;' ><td style='width:103.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Impact of an increase of 50 basis points </font></td><td style='width:148.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Impact of a decrease of 50 basis points </font></td></tr><tr style='height:12.75pt;' ><td style='width:103.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Discount rate</font></td><td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(166)</font></td><td style='width:148.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >183</font></td></tr><tr style='height:24.75pt;' ><td style='width:103.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:103.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Growth rate</font></td><td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >23</font></td><td style='width:148.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:148.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(21)</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfIntangibleAssetsWithIndefiniteUsefulLifeExplanatory', window );">Table of other intangible assets explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other intangible assets (Millions of Euros)</font></td></tr><tr style='height:27.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Computer software acquisition expense</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,532</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,598</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other intangible assets with an infinite useful life</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other intangible assets with a definite useful life</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >320</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >401</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,863</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,010</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Impairment Test Hypotheses CGU Goodwill In The United States</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Impairment Test Hypotheses CGU Goodwill In Turkey</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Sensitivity Analysis For Main Hypotheses Turkey</p></div>
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<td style="white-space:nowrap;">bbva_Sensitivityanalysisformainhypothesesturkey</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Sensitivity Analysis For Main Hypotheses USA</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<td style="white-space:nowrap;">ifrs-full_DisclosureOfIntangibleAssetsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of intangible assets with an indefinite useful life. [Refer: Intangible assets with indefinite useful life]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2019-01-01<br> -Paragraph 122<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_122_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The disclosure of the reconciliation of changes in intangible assets and goodwill. [Refer: Intangible assets and goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2019-01-01<br> -Paragraph 118<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_118&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664231624408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 18 - Tax assets and liabilities (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureoftaxassetsandliabiltiesabstract', window );"><strong>Disclosure Of Tax Assets And Liabilties Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableoftaxassetsandliabiltiiesexplanatory', window );">Table Of Tax Assets And Liabiltiies Explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Tax assets and liabilities (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Tax assets</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Current tax assets</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,182</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,765</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deferred tax assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,536</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,318</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >16,718</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >17,083</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Tax liabilities</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Current tax liabilities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >560</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >880</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deferred tax liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,968</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,928</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,529</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,808</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664218987240">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 19 - Other assets and liabilities (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofotherassetsandliabilitiesabstract', window );"><strong>Other Assets and Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofotherassetsandliabilitiesexplanatory', window );">Table of other assets and liabilities</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other assets and liabilities (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >ASSETS</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Inventories</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >615</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >581</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transactions in progress</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >165</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >138</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accruals</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >929</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >804</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other items</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,651</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,277</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,360</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,800</font></td></tr><tr style='height:13.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >LIABILITIES</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transactions in progress</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >98</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accruals</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,040</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,456</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other items</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,969</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,247</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,107</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,742</font></td></tr></table></div><span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disclosureofotherassetsandliabilitiesabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureofotherassetsandliabilitiesabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tableofotherassetsandliabilitiesexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays other assets and liabilities</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tableofotherassetsandliabilitiesexplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>nonnum:textBlockItemType</td>
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<td>duration</td>
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</DOCUMENT>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202432520">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 20 - Non-current assets and disposal groups classified as held for sale (Table)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract', window );"><strong>Non-current assets and disposal groups classified as held for sale Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory', window );">Non-current assets and disposal groups classified as held for sale. Breakdown by items</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:18.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Non-current assets and disposal groups classified as held for sale. Breakdown by items (Millions of Euros)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' ></font></td></tr><tr style='height:20.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:10.5pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Foreclosures and recoveries</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,487</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,647</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Assets from tangible assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >300</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >310</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Business sale - Assets (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,728</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,716</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other assets classified as held for sale (**)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >279</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Accrued amortization (***)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(54)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(51)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment losses </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(534)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(543)</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,205</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,079</font></td></tr></table></div><span></span>
</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the non-current assets and disposal groups classified as held for sale, breakdown by items</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosurenoncurrentassetsanddisposalgroupsclassifiedasheldforsalebreakdownbyitemsexplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleOrAsHeldForDistributionToOwnersAbstract</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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</body>
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</TEXT>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R75.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174871560">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 21 - Financial liabilities at amortized cost (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialliabilitiesatamortizedcostabstact', window );"><strong>Financial liabilities at amortized cost Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableoffinancialliabilitiesatamortizedcostexplanatory', window );">Table of Financial liabiltiies measured at amortized cost</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Financial liabilities measured at amortized cost (Millions of Euros)</font></td></tr><tr style='height:27.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >481,207</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >438,919</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits from central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >46,667</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25,950</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Demand deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >285</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >23</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Time deposits and other (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >41,040</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >25,101</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Repurchase agreements</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >5,341</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >826</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Deposits from credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >32,356</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28,751</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Demand deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >9,553</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >7,161</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Time deposits and other </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >19,062</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >18,896</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Repurchase agreements</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >3,742</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >2,693</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Customer deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >402,184</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >384,219</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Demand deposits (**)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >308,212</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >280,391</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Time deposits and other </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >93,671</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >103,293</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Repurchase agreements</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >301</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >535</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt certificates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >64,421</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63,963</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,085</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,758</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >559,713</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >516,641</font></td></tr></table></div><span></span>
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</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory', window );">Deposits from credit institutions. Breakdown by geographical area and nature of the instrument.</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Deposits from credit institutions. June 2020 (Millions of Euros)</font></td></tr><tr style='height:41.25pt;' ><td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Demand deposits</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Time deposits &amp; other(*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Repurchase agreements</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,017</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,466</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,483</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,990</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,238</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,228</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >354</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >557</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >84</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >995</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >192</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >493</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >28</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >713</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >421</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,779</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,205</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Europe</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,965</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,778</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,624</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,367</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of the world</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >613</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,751</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,364</font></td></tr><tr style='height:13.5pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >9,553</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >19,062</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,742</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >32,356</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' ><font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' >Deposits from credit institutions. December 2019 (Millions of Euros)</font></td></tr><tr style='height:21pt;' ><td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Demand deposits </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Time deposits &amp; other (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Repurchase agreements</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,104</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,113</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,218</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,082</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,295</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,377</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >432</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,033</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >168</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,634</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >302</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >617</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >924</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >394</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,285</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >161</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,840</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Europe</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,652</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,180</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,358</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,190</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of the world</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >194</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,374</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,568</font></td></tr><tr style='height:12.75pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >7,161</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >18,896</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,693</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >28,751</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory', window );">Customer deposits. Breakdown by geographical area and nature of the instrument.</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Customer deposits. June 2020 (Millions of Euros)</font></td></tr><tr style='height:40.5pt;' ><td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Demand deposits</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Time deposits &amp; other</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Repurchase agreements</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >158,036</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,226</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >180,265</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >56,222</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19,498</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >75,720</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39,161</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,584</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >95</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >50,840</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17,696</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17,522</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >203</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >35,421</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26,510</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,012</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39,522</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Europe</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,644</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,418</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19,062</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of the world</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >943</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >411</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,354</font></td></tr><tr style='height:15pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >308,212</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >93,671</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >301</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >402,184</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='5' rowspan='1' style='width:423pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:423pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Customer deposits. December 2019 (Millions of Euros)</font></td></tr><tr style='height:40.5pt;' ><td style='width:156pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Demand deposits</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Time deposits and other (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Repurchase agreements</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Total</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Spain</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >146,651</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24,958</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >171,611</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >The United States</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >46,372</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19,810</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >66,181</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mexico</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >43,326</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,714</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >523</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >56,564</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Turkey</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,775</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,257</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >36,042</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >South America</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,748</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13,913</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >36,661</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of Europe</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,610</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,749</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,360</font></td></tr><tr style='height:12pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Rest of the world</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >909</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >892</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,801</font></td></tr><tr style='height:15pt;' ><td style='width:156pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:156pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >280,391</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >103,293</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >535</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >384,219</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofdebtsecuritiesissuedexplanatory', window );">Debt securities issued</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Debt certificates (Millions of Euros)</font></td></tr><tr style='height:27.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:13.5pt;' ><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:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In Euros</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >42,329</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >40,185</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Promissory bills and notes</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >718</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >737</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-convertible bonds and debentures</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,472</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,248</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Covered bonds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,232</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,542</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hybrid financial instruments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >405</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >518</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Securitization bonds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,900</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,354</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Wholesale funding</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,132</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,817</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Subordinated liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,470</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,968</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Convertible perpetual certificates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >3,500</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >5,000</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Non-convertible preferred stock</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >79</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >83</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other non-convertible subordinated liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >3,891</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >2,885</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In foreign currencies</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >22,092</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >23,778</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Promissory bills and notes</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,059</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,210</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-convertible bonds and debentures</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,364</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,587</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Covered bonds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >279</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >362</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hybrid financial instruments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >656</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,156</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Securitization bonds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Wholesale funding</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >512</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >780</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Subordinated liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,218</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,666</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Convertible perpetual certificates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >1,788</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >1,782</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Non- convertible preferred stock</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >53</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >76</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other non-convertible subordinated liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >7,377</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >7,808</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >  Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >64,421</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >63,963</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableoffinancialliabilitiesexplanatory', window );">Other Financial Liabilities</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:321pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:321pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other financial liabilities (Millions of Euros)</font></td></tr><tr style='height:24.95pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Lease liabilities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,129</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,335</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Creditors for other financial liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,887</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,623</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Collection accounts</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,532</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,306</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Creditors for other payment obligations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,538</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,494</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >14,085</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >13,758</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disclosureofdebtsecuritiesissuedexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the debt securities issued</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureofdebtsecuritiesissuedexplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the deposits from credit institutions by geographical area and instrument</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureofdepositsfrombanksbygeographicalareaandinstrumentexplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the deposits from customers by geographical area and instruments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureofdepositsfromcustomersbygeographicalareaandinstrumentexplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialliabilitiesatamortizedcostabstact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialliabilitiesatamortizedcostabstact</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tableoffinancialliabilitiesatamortizedcostexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the financial liabilities at amortized cost</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tableoffinancialliabilitiesatamortizedcostexplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tableoffinancialliabilitiesexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays other financial liabilities</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tableoffinancialliabilitiesexplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202429640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 22 - Assets and Liabilities under reinsurance and insurance contracts (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedAbstract', window );"><strong>Assets and Liabilities Under reinsurance and insurance contracts</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesUnderReassuranceAndAssuranceContracts', window );">Liabilities Under Reassurance And Assurance Contracts</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Liabilities under insurance and reinsurance contracts</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Mathematical reserves (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,310</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,247</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provision for unpaid claims reported</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >652</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >641</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions for unexpired risks and other provisions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >500</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >718</font></td></tr><tr style='height:14.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >9,462</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >10,606</font></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LiabilitiesUnderReassuranceAndAssuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>LiabilitiesUnderReassuranceAndAssuranceContracts</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LiabilitiesUnderReassuranceAndAssuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssuedAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>94
<FILENAME>R77.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170566200">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 23 - Provisions (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProvisionsAbstract', window );"><strong>Provisions or reversal of provisions Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Provisionsbreakdownbyconcepts', window );">Provisions. Breakdown by concepts</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Provisions. Breakdown by concepts (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions for pensions and similar obligations</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,427</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,631</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other long term employee benefits</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >53</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >61</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions for taxes and other legal contingencies</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >738</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >677</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions for contingent risks and commitments</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >30</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >774</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >711</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other provisions (*)</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >502</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >457</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,494</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,538</font></td></tr></table></div><span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Provisionsbreakdownbyconcepts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the provisions, breakdown by concepts</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Provisionsbreakdownbyconcepts</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProvisionsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
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<td>duration</td>
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</table></div>
</div></td></tr>
</table>
</div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170422216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 24 - Post-employment and other employee benefit commitments (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Postemploymentandotheremployeebenefitcommitmentsabstract', window );"><strong>Post-employment and other employee benefit commitments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofconsolidatedincomestatementimpactexplanatory', window );">Consolidated Income Statement Impact</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Condensed consolidated income statement impact (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Interest income and expense</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >38</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Personnel expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >76</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >79</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Defined contribution plan expense</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39.1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Defined benefit plan expense</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39.1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Provisions, net</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >41</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >145</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >127</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total: expense (income)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >247</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >244</font></td></tr></table></div><span></span>
</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the consolidated income statement impact explanatory</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202396392">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 26 - Retained earnings, revaluation reserves and other reserves. (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityAbstract', window );"><strong>Retained earnings, revaluation reserves and other reserves.</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory', window );">Retained Earnings Revaluation Reserves And Other Reserves Breakdown By Concepts</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Retained earnings and other reserves  (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Retained earnings</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >30,589</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >29,388</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other reserves </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(160)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(119)</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >30,429</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >29,268</font></td></tr></table></div><span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which contains the retained earnings, revaluation reserves and other reserves, breakdown by concepts</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureretainedearningsrevaluationreservesandotherreservesbreakdownbyconceptsexplanatory</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<TEXT>
<html>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664227464248">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 27 - Accumulated Other Comprehensive Income (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AccumulatedOtherComprehensiveIncomeAbstract', window );"><strong>Accumulated other comprehensive income abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedothercomprehensiveincomeclassifiedbyconceptsexplanatory', window );">Accumulated Other Comprehensive Income Classified By Concepts Explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Accumulated other comprehensive income. Breakdown by concepts (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Items that will not be reclassified to profit or loss</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >(2,253)</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >(1,875)</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Actuarial gains (losses) on defined benefit pension plans</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,381)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,498)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-current assets and disposal groups classified as held for sale</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:22.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value changes of equity instruments measured at fair value through other comprehensive income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12.4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(940)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(403)</font></td></tr><tr style='height:23.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >67</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Items that may be reclassified to profit or loss</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >(10,570)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >(8,351)</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hedge of net investments in foreign operations (effective portion)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(312)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(896)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Foreign currency translation </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(12,351)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(9,147)</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hedging derivatives. Cash flow hedges (effective portion)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >308</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(44)</font></td></tr><tr style='height:23.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fair value changes of debt instruments measured at fair value through other comprehensive income</font><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12.4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,830</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,760</font></td></tr><tr style='height:11.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-current assets and disposal groups classified as held for sale</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(27)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(18)</font></td></tr><tr style='height:23.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(5)</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(12,822)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(10,226)</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the accumulated other comprehensive income</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170793864">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 28 - Non Controlling Interest (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NonControllingInterestAbstract', window );"><strong>Non Controlling interests</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncontrolinginterestexplanatory', window );">Non controling interest explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Non-controlling interests: breakdown by subgroups (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Garanti BBVA</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,988</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,240</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Peru</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,222</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,334</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Argentina</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >439</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >422</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Colombia</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >65</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >76</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Venezuela</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >66</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >71</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other entities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >57</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >5,836</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,201</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Profitatributabletononcontrolinginterest', window );">Profit atributable to Non controling interest</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Profit attributable to non-controlling interests (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#44546A;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Garanti BBVA</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >274</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >291</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Peru</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >115</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Argentina</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >60</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Colombia</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >BBVA Venezuela</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other entities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >333</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >475</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the non-controlling interest, clasified by concepts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the profit loss attributable to non controlling interests</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664203844456">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 29 - Capital Base and Capital Management (Table)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Capitalbaseandcapitalmanagementabstract', window );"><strong>Capital Base And Capital Management</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Eligiblecapitalresources', window );">Table Of Capital Coefficients</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Capital ratios (phased-in)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020 (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Eligible Common Equity Tier 1 capital (millions of Euros) (a)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >42,118</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >43,653</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Eligible Additional Tier 1 capital (millions of Euros) (b)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,067</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6,048</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Eligible Tier 2 capital (millions of Euros) (c)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9,345</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >8,304</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Risk Weighted Assets (millions of Euros) (d)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >362,050</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >364,448</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Common Tier 1 capital ratio (CET 1) (A)=(a)/(d)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11.63%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11.98%</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Additional Tier 1 capital ratio (AT 1) (B)=(b)/(d)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1.68%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1.66%</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tier 1 capital ratio (Tier 1) (A)+(B)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13.31%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13.64%</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tier 2 capital ratio (Tier 2) (C)=(c)/(d)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2.58%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2.28%</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total capital ratio (A)+(B)+(C)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15.89%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15.92%</font></td></tr></table></div><span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofleverageratio', window );">Table of Leverage Ratio</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Leverage ratio</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020 (*)</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:11.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tier 1 (millions of Euros) (a)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >48,185</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49,701</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exposure to leverage ratio (millions of Euros) (b)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >771,590</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >731,087</font></td></tr><tr style='height:11.25pt;' ><td style='width:250.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Leverage ratio (a)/(b) (percentage)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.24%</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >6.80%</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the eligible capital resources</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the leverage ratio</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664219008104">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 30 - Commitments and guarantees given (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Commitmentsandguaranteesgivenabstract', window );"><strong>Commitments and Guarantees given</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsfinancialguaranteesandothercommitments', window );">Loan commitments, financial guarantees and other commitments</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Commitments and guarantees given (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:13.5pt;' ><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:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Loan commitments given</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >6.2.2</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >134,494</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >130,923</font></td></tr><tr style='height:10.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >Of which: defaulted</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >227</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >270</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >2,897</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >3,117</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >14,450</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >11,742</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >4,955</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >4,578</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >69,184</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >65,475</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >43,008</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >46,011</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Financial guarantees given</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >6.2.2</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >10,989</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >10,984</font></td></tr><tr style='height:10.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >Of which: defaulted (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >261</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >224</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >109</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >125</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >427</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >995</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >677</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >583</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >9,529</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >8,986</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >247</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >295</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Other commitments given </font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >6.2.2</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >38,563</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >39,209</font></td></tr><tr style='height:10.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >Of which: defaulted (*)</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >441</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' >506</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Central banks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >106</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >1</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >General governments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >1,685</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >521</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit institutions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >5,119</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >5,952</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >3,924</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >2,902</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-financial corporations</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >27,535</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >29,682</font></td></tr><tr style='height:10.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Households </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#787878;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >193</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#000000;' >151</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6.2.2</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >184,046</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >181,116</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the loan commitments, financial guarantees and other commitments</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664173517096">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 32 - Interest Income and Expense (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomeandexpenseabstract', window );"><strong>Interest Income And Expense</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomebreakdownbyorigin', window );">Interest Income Break Down By Origin</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.45pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Interest and other income. Breakdown by origin (Millions of Euros)</font></td></tr><tr style='height:24pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets held for trading</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >711</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,071</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets designated at fair value through profit or loss</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >80</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >77</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >714</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >975</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at amortized cost</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11,031</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,911</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Insurance activity</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >477</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >493</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Adjustments of income as a result of hedging transactions </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(38)</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >214</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >143</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >13,228</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >15,633</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestexpensesbreakdownbyorigin', window );">Interest Expenses Break Down By Origin</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Interest expense. Breakdown by origin (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities held for trading </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >344</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >746</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value through profit or loss </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial liabilities at amortized cost </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3,891</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5,613</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Adjustments of expense as a result of hedging transactions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(176)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(136)</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Insurance activity</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >324</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >338</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Cost attributable to pension funds</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >33</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >125</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >82</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,574</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >6,691</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the interest expenses, breakdown by origin</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202433960">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 33 - Dividend income (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Dividendincomeabstract', window );"><strong>Dividend income Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofdividendincomeexplanatory', window );">Table of Dividend Income</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.45pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Dividend income. Breakdown by headline (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Non-trading financial assets mandatorily at fair value through profit or loss</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7 </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25 </font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >70</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >78 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >77</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >103</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the dividend income</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197995704">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 35 - Fee and commission income and expenses (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpenseAbstract', window );"><strong>Fee And Commission Income Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureFeeAndCommissionIncomeExplanatory', window );">Fee and Commission Income</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fee and commission income. Breakdown by origin (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Bills receivables</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Demand accounts</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >265</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >232</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit and debit cards and ATMs</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,123</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,538</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Checks</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >71</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >100</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transfers and other payment orders</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >368</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >393</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Insurance product commissions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >76</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >90</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loan commitments given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >69</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >60</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other commitments and financial guarantees given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >185</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >196</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Asset management</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >582</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >511</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Securities fees</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >199</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >158</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Custody securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >73</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >59</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other fees and commissions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >297</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >303</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,325</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,661</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureFeeAndCommissionExpenseExplanatory', window );">Fee and Commission Expense</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fee and commission expense. Breakdown by origin (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Demand accounts</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >11</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Credit and debit cards</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >621</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >798</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Transfers and other payment orders</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >83</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >65</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Commissions for selling insurance</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Custody securities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >16</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other fees and commissions</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >259</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >268</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,024</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,191</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176506744">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 36 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesabstract', window );"><strong>Gains Or Losses on Financial Assets And Liabilities And Exchanges Differences</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbyheadingotheconsolidatedincomestatements', window );">Gains or losses on financial assets and liabilities and exchange differences. Breakdown by Heading of the Balance Sheet.</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:23.25pt;' ><td colspan='4' rowspan='1' style='width:582pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:582pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net. Breakdown by heading (Millions of Euros)</font></td></tr><tr style='height:30pt;' ><td style='width:381.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:20.45pt;' ><td style='width:381.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >229</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >67</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Financial assets at amortized cost</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >106</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >15</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >Other financial assets and liabilities </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >123</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >53</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) on financial assets and liabilities held for trading, net</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >187</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >173</font></td></tr><tr style='height:15pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >129</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >98</font></td></tr><tr style='height:22.5pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >205</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(3)</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains (losses) from hedge accounting, net </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >41</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >73</font></td></tr><tr style='height:11.25pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Subtotal gains (losses) on financial assets and liabilities</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >790</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >408</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Exchange differences</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >316</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >134</font></td></tr><tr style='height:12.6pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,107</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >542</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangedifferencesbreakdownbynatureofthefinancialinstrument', window );">Gains or losses on financial assets and liabilities. Breakdown by nature of the Financial Instruments</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:23.25pt;' ><td colspan='4' rowspan='1' style='width:582pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:582pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Gains (losses) on financial assets and liabilities. Breakdown by instrument (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:381.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Debt instruments</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >646</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >451</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Equity instruments</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1,374)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >764</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Trading derivatives and hedge accounting</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,384</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(653)</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >119</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >92</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Customer deposits</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >32</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >25</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(277)</font></td></tr><tr style='height:12pt;' ><td style='width:381.75pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:381.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >790</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >408</font></td></tr></table></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the gains or losses on financial assets and liabilities and exchange differences, breakdown by heading of the balance sheet.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the gains or losses on financial assets and liabilities, Breakdown by nature of the financial instruments</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174829320">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 37 - Other operating income and expenses (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherOperatingIncomeExpenseAbstract', window );"><strong>Other Operating Income and Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherOperatingIncomeExplanatory', window );">Other Operating Income</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other operating income (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains from sales of non-financial services</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >115</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >129</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hyperinflation adjustment</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >39</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >63</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other operating income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >76</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >145</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >230</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >337</font></td></tr></table></div><span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherOperatingExpenseExplanatory', window );">Other Operating Expenses</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:13.5pt;' ><td colspan='4' rowspan='1' style='width:450.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:450.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other operating expense (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Change in inventories</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >59</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Contributions to guaranteed banks deposits funds </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >397</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >353</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Hyperinflation adjustment</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >161</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >249</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other operating expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >235</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >334</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >848</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >995</font></td></tr></table></div><span></span>
</td>
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</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherOperatingExpenseExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the other operating expense</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOperatingExpenseExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income related to other sources of operating actvities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOperatingIncomeExpenseAbstract</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherOperatingIncomeExplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the other operating income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOperatingIncomeExplanatory</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664202398872">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 38 - Insurance and reinsurance contracts income and expenses (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract', window );"><strong>Insurance and Reinsurance Contracts Income and Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory', window );">Other Operating Income and Expenses on Insurance and reinsurance contracts</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:23.25pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Income and expense from insurance and reinsurance contracts (Millions of Euros)</font></td></tr><tr style='height:21.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Income from insurance and reinsurance contracts</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,307</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,547</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Expense from insurance and reinsurance contracts</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(765)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(983)</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >542</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >565</font></td></tr></table></div><span></span>
</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the other operating income and expenses on insurance and reinsurance contracts</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tableofinsuranceandreinsurancecontractsincomeandexpensesexplanatory</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174815080">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 39 - Administration Costs (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract', window );"><strong>Classes Of Employee Benefits Expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Personnelexpensesbreakdownexplanatory', window );">Personnel Expenses Breakdown</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Personnel expense (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:13.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Wages and salaries</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,225</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,435</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Social security costs</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >379</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >396</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Defined contribution plan expense</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >49</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >55</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Defined benefit plan expense</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >27</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other personnel expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >195</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >222</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,875</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >3,131</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otheradministrativeexpensesexplanatory', window );">Other Administrative Expenses</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Other administrative expense. Breakdown by main concepts (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Technology and systems</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >640</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >604</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Communications </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >106</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >109</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Advertising</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >121</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >158</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Property, fixtures and materials</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >248</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >266</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: rent expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >46</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >52</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Taxes other than income tax</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >199</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >203</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Surveillance and cash courier services</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >84</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >92</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >474</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >521</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,872</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,953</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 40 - Depreciation (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofdepreciationandamortisationexpenseexplanatory', window );">Table of Depreciation</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Depreciation and amortization (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tangible assets</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >456</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >488</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: For own use</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >266</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >294</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: Right-of-use assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >188</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#666666;' >192</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Intangible assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >310</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >302</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >766</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >790</font></td></tr></table></div><span></span>
</td>
</tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the depreciation and amortization</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">ifrs-full_DepreciationAndAmortisationExpenseAbstract</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664219009784">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 41 - Provisions or reversal provisions (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProvisionsAbstract', window );"><strong>Provisions or reversal of provisions Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofprovisionsexplanatory', window );">Provisions or Reversal of Provisions</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:11.45pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Provisions or (reversal) of provisions (Millions of Euros)</font></td></tr><tr style='height:25.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:10.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Pensions and other post employment defined benefit obligations</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >24 </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >145 </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >127 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Commitments and guarantees given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >106 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Pending legal issues and tax litigation</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >199 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >75 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other provisions </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >90 </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >51 </font></td></tr><tr style='height:11.45pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >541</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >261</font></td></tr></table></div><span></span>
</td>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tableofprovisionsexplanatory">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the provisions</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664232482792">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 42 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossabstract', window );"><strong>Impairment or reversal of impairment on financial assets not measured at fair value through profir or loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofimpairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossexplanatory', window );">Table of Impairment or Reversal of Impairment on financial assets not measured at fair value through profir or loss</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:24.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income - Debt securities</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12.4</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >71</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >5</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial assets at amortized cost (*)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4,075</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,727</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >Of which: recovery of written-off assets</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >(145)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-style:italic;color:#666666;' >(534)</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4,146</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >1,731</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the impairment or reversal of Impairment on financial assets not measured at fair value through profir or loss</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664228137640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 44 - Impairment or reversal of impairment on non-financial assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentorreversalofimpairmentonnonfinancialassetsabstract', window );"><strong>Impairment or reversal of impairment on non-financial assets</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofimpairmentorreversalofimpairmentonnonfinancialassetsexplanatory', window );">Table of Impairment or Reversal of Impairment on non-financial assets</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Impairment or (reversal) of impairment on non-financial assets (Millions of Euros)</font></td></tr><tr style='height:22.5pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >Notes</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12.75pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Tangible assets</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >62</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >30</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Intangible assets</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >17</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,087</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Others   </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,149</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >44</font></td></tr></table></div><span></span>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664232452968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 45 - Gains (losses) on derecognition of non financial assets and subsidiaries, net (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
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<td class="text">&#160;<span></span>
</td>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofgainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetexplanatory', window );">Table of Gains (losses) on derecognition of non financial assets and subsidiaries, Net</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Gains (losses) on derecognition of non-financial assets and subsidiaries, net (Millions of Euros)</font></td></tr><tr style='height:27pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Gains</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#FFFFFF;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Disposal of investments in non-consolidated subsidiaries</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12.75pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Disposal of tangible assets and other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >13</font></td></tr><tr style='height:13.5pt;' ><td style='width:187.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Disposal of tangible assets and other</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(6)</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >4</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >8</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the Gains (losses) on derecognition of non financial assets and subsidiaries, net</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664232496104">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 46 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsabstrac', window );"><strong>Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tableofprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsexplanatory', window );">Table of Profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:31.5pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of Euros)</font></td></tr><tr style='height:23.25pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#0A5FB4;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Gains on sale of real estate</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Impairment of non-current assets held for sale</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(53)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >(15)</font></td></tr><tr style='height:13.5pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >(9)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >11</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsabstrac</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664233611816">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 47 - Related-Party Transactions (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RelatedPartyTransactionsAbstract', window );"><strong>Related Party Transactions Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosurebalancesarisingfromtransactionswithentitiesofthegroupexplanatory', window );">Balances Arising From Transactions With Entities Of The Group</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Balances arising from transactions with entities of the Group (Millions of Euros)</font></td></tr><tr style='height:25.5pt;' ><td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >December 2019</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Assets</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to credit institutions</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >61</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loans and advances to customers</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,909</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,682</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Liabilities</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loan commitments given</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other contingent commitments given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >859</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >453</font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Memorandum accounts</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Loan commitments given</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >156</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >166</font></td></tr><tr style='height:14.25pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Other contingent commitments given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,397</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,042</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Financial guarantees given</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >50</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >106</font></td></tr></table></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosurebalanceofincomestatementarisingfromtransactionswithentitiesofthegroupexplanatory', window );">Balance Of Income Statement Arising From Transactions With Entities Of The Group</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Balances of consolidated income statement arising from transactions with entities of the Group (Millions of Euros)</font></td></tr><tr style='height:21pt;' ><td style='width:187.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#072146;' >June 2019</font></td></tr><tr style='height:12pt;' ><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:bottom;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Gains and losses:</font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;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:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><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;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Interest and other income</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >9</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >26</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Interest expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fee and commission income</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >3</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:12pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Fee and commission expense</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' ></font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >19</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14</font></td></tr></table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the balances arising from transactions with rntities of the group</p></div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664251824648">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Remunerationandotherbenefitsreceivedbytheboardofdirectorsandmembersofthebanksseniormanagementabstract', window );"><strong>Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management Abstract</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureremunerationfornonexecutivedirectorsexplanatory', window );">Remuneration For Non Executive Directors Explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='11' rowspan='1' style='width:548.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:548.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Remuneration for non-executive directors (thousands of Euros)</font></td></tr><tr style='height:41.25pt;' ><td colspan='2' rowspan='1' style='width:96pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Board of Directors</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Executive Committee</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Audit Committee</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Risk and Compliance Committee</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Remunerations Committee</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Appointments and Corporate Governance Committee</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Technology and Cybersecurity Committee</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Other positions (1)</font></td><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;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' >Total</font></td></tr><tr style='height:18pt;' ><td colspan='2' rowspan='1' style='width:96pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Jos&#233; Miguel Andr&#233;s Torrecillas</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >28</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >33</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >36</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >58</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >25</font></td><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;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >244</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Jaime Caruana Lacorte</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >83</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >83</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >53</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >284</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Ra&#250;l Galamba de Oliveira (2)</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >43</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >18</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >11</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >71</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Bel&#233;n Garijo L&#243;pez</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >33</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >54</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >23</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >174</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Sunir Kumar Kapoor</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >86</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Lourdes M&#225;iz Carro</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >33</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >119</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Jos&#233; Maldonado Ramos</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >83</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >23</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >171</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Ana Peralta Moreno</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >33</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >119</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Juan Pi Llorens</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >107</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >23</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >40</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >256</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Ana Revenga Shanklin (2)</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >32</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >18</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >50</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Susana Rodr&#237;guez Vidarte</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >83</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >53</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >23</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >224</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Carlos Salazar Lomel&#237;n (2)</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >32</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >39</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:7pt;color:#000000;' >Jan Verplancke</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >64</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >7</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >21</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >-</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;color:#000000;' >93</font></td></tr><tr style='height:15.75pt;' ><td colspan='2' rowspan='1' style='width:96pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:96pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >Total (3)</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >751</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >278</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >215</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >285</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >111</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >150</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >75</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >65</font></td><td style='width:50.25pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:50.25pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#FFFFFF;' >1,930</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureremunerationofexecutivedirectorsexplanatory', window );">Remuneration Of Executive Directors Explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='2' rowspan='1' style='width:380.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:380.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' >Fixed remuneration (thousands of Euros)</font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chairman</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,227</font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chief Executive Officer (1)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,090</font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:7pt;font-weight:bold;color:#FFFFFF;' >Total</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,316</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#5AC4C4;' >Variable remuneration corresponding to previous financial years (1)</font></td></tr><tr style='height:15pt;' ><td colspan='1' rowspan='2' style='width:250.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In cash</font><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font><font style='font-family:Arial;font-size:8pt;color:#004481;' >(thousands of euro)</font></td><td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In shares</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td></tr><tr style='height:15.75pt;' ><td></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chairman</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,292</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >215,628</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chief Executive Officer</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >775</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >144,578</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >2,067</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >360,206</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Executive directors (thousands of Euros)</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td colspan='2' rowspan='1' style='width:133.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Contributions</font><sup><font style='font-family:Arial;font-size:8pt;color:#004481;' > (1)</font></sup></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Accumulated funds</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#004481;' >Retirement</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#004481;' >Death and disability</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chairman</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >836</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >189</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >21,353</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Chief Executive Officer</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >126</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >836</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >315</font></td><td style='width:66.75pt;text-align:center;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >21,353</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureremunerationformembersoftheseniormanagementexplanatory', window );">Disclosure Of Remuneration For Members of the Senior Management Explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='2' rowspan='1' style='width:380.25pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:380.25pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Fixed remuneration (thousands of Euros)</font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:313.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:313.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Senior Management total</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,444</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:22.5pt;' ><td colspan='3' rowspan='1' style='width:384pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:384pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Variable remuneration corresponding to previous financial years (1)</font></td></tr><tr style='height:22.5pt;' ><td colspan='1' rowspan='2' style='width:250.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:6pt;font-weight:bold;color:#004481;' ></font></td><td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In cash </font><font style='font-family:Arial;font-size:8pt;color:#004481;' >(1)</font><font style='font-family:Arial;font-size:8pt;color:#004481;' >(thousands of euro)</font></td><td colspan='1' rowspan='2' style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >In shares </font><font style='font-family:Arial;font-size:8pt;color:#004481;' >(1)</font></td></tr><tr style='height:15.75pt;' ><td></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Senior Management total</font><font style='font-family:Arial;font-size:10pt;color:#000000;' > </font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >2,832</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >465,709</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td colspan='4' rowspan='1' style='width:387.75pt;text-align:left;vertical-align:middle;background-color:#E9E9E9;border-color:Black;min-width:387.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#02A5A5;' >Senior Management (thousands of Euros)</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td colspan='2' rowspan='1' style='width:133.5pt;text-align:center;vertical-align:middle;border-color:Black;min-width:133.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Contributions</font><sup><font style='font-family:Arial;font-size:8pt;color:#004481;' > (1)</font></sup></td><td style='width:66.75pt;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Accumulated funds</font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#004481;' >Retirement</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#004481;' >Death and disability</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td></tr><tr style='height:15pt;' ><td style='width:187.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:187.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Senior Management total*</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >1,487</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >517</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >20,613</font></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosurenumberofsharesexplanatory', window );">Number Of Shares Explanatory</a></td>
<td class="text"><div><table style='border-collapse:collapse;' ><tr style='height:33.75pt;' ><td style='width:250.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' ></font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Theoretical shares allocated in 2020</font></td><td style='width:66.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#004481;' >Theoretical shares accumulated as of June 30, 2020</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Jos&#233; Miguel Andr&#233;s Torrecillas</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >20,252</font></td><td style='width:66.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >75,912</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Jaime Caruana Lacorte</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,067</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >31,387</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Bel&#233;n Garijo L&#243;pez</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,598</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >62,126</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Sunir Kumar Kapoor</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,189</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >22,915</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Lourdes M&#225;iz Carro</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,609</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >44,929</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Jos&#233; Maldonado Ramos</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >14,245</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >108,568</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Ana Peralta Moreno</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >10,041</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >15,665</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Juan Pi Llorens</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >20,676</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >92,817</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Susana Rodr&#237;guez Vidarte</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >18,724</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >141,138</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >Jan Verplancke</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >7,189</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;color:#000000;' >12,392</font></td></tr><tr style='height:15pt;' ><td style='width:250.5pt;text-align:left;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:250.5pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >Total (1)</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >145,590</font></td><td style='width:66.75pt;text-align:right;vertical-align:middle;background-color:#5AC4C4;border-color:Black;min-width:66.75pt;' ><font style='font-family:Arial;font-size:8pt;font-weight:bold;color:#FFFFFF;' >607,849</font></td></tr></table></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the number of shares</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<td style="white-space:nowrap;">bbva_Disclosurenumberofsharesexplanatory</td>
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<td>na</td>
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<td>duration</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the remuneration for members of the senior management</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disclosureremunerationfornonexecutivedirectorsexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the remuneration for non executive directors</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureremunerationfornonexecutivedirectorsexplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disclosureremunerationofexecutivedirectorsexplanatory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Table which displays the remuneration for executive directors</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureremunerationofexecutivedirectorsexplanatory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Remunerationandotherbenefitsreceivedbytheboardofdirectorsandmembersofthebanksseniormanagementabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Remunerationandotherbenefitsreceivedbytheboardofdirectorsandmembersofthebanksseniormanagementabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>116
<FILENAME>R99.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169988264">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 2 - Principles Of Consolidation, Acounting policies and measurement bases applied and recent IFRS pronouncements - Hedging Intruments Affected By IBOR (Details)<br></strong></div></th>
<th class="th" colspan="2">
<div>Jun. 30, 2020 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeoghedginginstrumentaxisAxis=bbva_IntrumentsCashflowhedgesMember', window );">Instruments Cash Flow Hedges [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Typeofcurrencylineitems', window );"><strong>Type Of Currency LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Liborusd', window );">LIBOR USD</a></td>
<td class="nump">&#8364; 10,318,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Liborgbp', window );">LIBOR GBP</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherstiie', window );">Others TIIE</a></td>
<td class="nump">601,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalhedginginstruments', window );">Total Hedging Instrument Affected By IBOR</a></td>
<td class="nump">10,920,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeoghedginginstrumentaxisAxis=ifrs-full_FairValueHedgesMember', window );">Instruments Fair Value Hedges</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Typeofcurrencylineitems', window );"><strong>Type Of Currency LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Liborusd', window );">LIBOR USD</a></td>
<td class="nump">12,667,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Liborgbp', window );">LIBOR GBP</a></td>
<td class="nump">299,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherstiie', window );">Others TIIE</a></td>
<td class="nump">2,621,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalhedginginstruments', window );">Total Hedging Instrument Affected By IBOR</a></td>
<td class="nump">&#8364; 15,588,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;color:#000000;">(*) Equilibrium Interbank Interest Rate used in Mexico.</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Liborgbp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Liborgbp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Liborusd">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Liborusd</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherstiie">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherstiie</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalhedginginstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalhedginginstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Typeofcurrencylineitems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Typeofcurrencylineitems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeoghedginginstrumentaxisAxis=bbva_IntrumentsCashflowhedgesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeoghedginginstrumentaxisAxis=bbva_IntrumentsCashflowhedgesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeoghedginginstrumentaxisAxis=ifrs-full_FairValueHedgesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeoghedginginstrumentaxisAxis=ifrs-full_FairValueHedgesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>117
<FILENAME>R100.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175592264">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 5 - Operating Segment Reporting - Total Assets Operating Segment (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 753,824,000,000<span></span>
</td>
<td class="nump">&#8364; 698,690,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_ES', window );">Spain [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">419,475,000,000<span></span>
</td>
<td class="nump">365,380,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_US', window );">United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">101,118,000,000<span></span>
</td>
<td class="nump">88,529,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_MX', window );">Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">103,671,000,000<span></span>
</td>
<td class="nump">109,079,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_TK', window );">Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">63,525,000,000<span></span>
</td>
<td class="nump">64,416,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=country_SA', window );">South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">57,891,000,000<span></span>
</td>
<td class="nump">54,996,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=bbva_RestofeurasiaMember', window );">Rest Of Eurasia [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">26,805,000,000<span></span>
</td>
<td class="nump">23,257,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=bbva_SubtotalMember', window );">Subtotal [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">772,485,000,000<span></span>
</td>
<td class="nump">705,656,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=bbva_CorporateCenterAndOtherAdjustmentsMember', window );">Corporate Center and other adjustments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="num">(18,661,000,000)<span></span>
</td>
<td class="num">(6,967,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SegmentsAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalassetsLineItems', window );"><strong>Total Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 753,824,000,000<span></span>
</td>
<td class="nump">&#8364; 698,690,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TotalassetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expiry date 2020-01-01: The amount of resources: (a) controlled by the entity as a result of past events; and (b) from which future economic benefits are expected to flow to the entity.
Effective 2020-01-01: The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_ES</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_US</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_MX</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=country_SA</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=bbva_RestofeurasiaMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SegmentsAxis=bbva_CorporateCenterAndOtherAdjustmentsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SegmentsAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175874632">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 5 - Operating Segments Reporting - Income by Operating Segment (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">&#8364; 12,045,000,000<span></span>
</td>
<td class="nump">&#8364; 11,944,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="num">(368,000,000)<span></span>
</td>
<td class="nump">4,052,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netinterestincome', window );">Net Interest Income</a></td>
<td class="nump">8,653,000,000<span></span>
</td>
<td class="nump">8,941,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">12,045,000,000<span></span>
</td>
<td class="nump">11,944,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincome', window );">Net Income</a></td>
<td class="nump">6,533,000,000<span></span>
</td>
<td class="nump">6,069,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="num">(368,000,000)<span></span>
</td>
<td class="nump">4,052,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit or loss attributable to owners of the parent</a></td>
<td class="num">(1,157,000,000)<span></span>
</td>
<td class="nump">2,442,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentAxis=country_ES', window );">Spain [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netinterestincome', window );">Net Interest Income</a></td>
<td class="nump">1,793,000,000<span></span>
</td>
<td class="nump">1,763,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">2,900,000,000<span></span>
</td>
<td class="nump">2,773,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincome', window );">Net Income</a></td>
<td class="nump">1,371,000,000<span></span>
</td>
<td class="nump">1,145,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="nump">124,000,000<span></span>
</td>
<td class="nump">1,027,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit or loss attributable to owners of the parent</a></td>
<td class="nump">88,000,000<span></span>
</td>
<td class="nump">734,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentAxis=country_US', window );">United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netinterestincome', window );">Net Interest Income</a></td>
<td class="nump">1,133,000,000<span></span>
</td>
<td class="nump">1,217,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">1,607,000,000<span></span>
</td>
<td class="nump">1,615,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincome', window );">Net Income</a></td>
<td class="nump">648,000,000<span></span>
</td>
<td class="nump">655,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="nump">15,000,000<span></span>
</td>
<td class="nump">363,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit or loss attributable to owners of the parent</a></td>
<td class="nump">26,000,000<span></span>
</td>
<td class="nump">297,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentAxis=country_MX', window );">Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netinterestincome', window );">Net Interest Income</a></td>
<td class="nump">2,717,000,000<span></span>
</td>
<td class="nump">3,042,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">3,550,000,000<span></span>
</td>
<td class="nump">3,901,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincome', window );">Net Income</a></td>
<td class="nump">2,349,000,000<span></span>
</td>
<td class="nump">2,611,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="nump">891,000,000<span></span>
</td>
<td class="nump">1,783,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit or loss attributable to owners of the parent</a></td>
<td class="nump">654,000,000<span></span>
</td>
<td class="nump">1,287,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentAxis=country_TK', window );">Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netinterestincome', window );">Net Interest Income</a></td>
<td class="nump">1,534,000,000<span></span>
</td>
<td class="nump">1,353,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">1,957,000,000<span></span>
</td>
<td class="nump">1,677,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincome', window );">Net Income</a></td>
<td class="nump">1,394,000,000<span></span>
</td>
<td class="nump">1,084,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="nump">715,000,000<span></span>
</td>
<td class="nump">726,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit or loss attributable to owners of the parent</a></td>
<td class="nump">266,000,000<span></span>
</td>
<td class="nump">282,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentAxis=country_SA', window );">South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netinterestincome', window );">Net Interest Income</a></td>
<td class="nump">1,443,000,000<span></span>
</td>
<td class="nump">1,613,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">1,664,000,000<span></span>
</td>
<td class="nump">1,994,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincome', window );">Net Income</a></td>
<td class="nump">945,000,000<span></span>
</td>
<td class="nump">1,215,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="nump">297,000,000<span></span>
</td>
<td class="nump">847,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit or loss attributable to owners of the parent</a></td>
<td class="nump">159,000,000<span></span>
</td>
<td class="nump">404,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentAxis=bbva_RestofeurasiaMember', window );">Rest Of Eurasia [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netinterestincome', window );">Net Interest Income</a></td>
<td class="nump">102,000,000<span></span>
</td>
<td class="nump">85,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">268,000,000<span></span>
</td>
<td class="nump">220,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincome', window );">Net Income</a></td>
<td class="nump">131,000,000<span></span>
</td>
<td class="nump">78,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="nump">89,000,000<span></span>
</td>
<td class="nump">69,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit or loss attributable to owners of the parent</a></td>
<td class="nump">66,000,000<span></span>
</td>
<td class="nump">55,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentAxis=bbva_CorporatecenterMember', window );">Corporate Center [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IncomebyoperatingsegmentLineItems', window );"><strong>Income By Operating Segment Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netinterestincome', window );">Net Interest Income</a></td>
<td class="num">(69,000,000)<span></span>
</td>
<td class="num">(132,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GrossProfit', window );">Gross Income</a></td>
<td class="nump">98,000,000<span></span>
</td>
<td class="num">(236,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincome', window );">Net Income</a></td>
<td class="num">(307,000,000)<span></span>
</td>
<td class="num">(718,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossBeforeTax', window );">Operating Profit Before Tax</a></td>
<td class="num">(2,500,000,000)<span></span>
</td>
<td class="num">(762,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToOwnersOfParent', window );">Profit or loss attributable to owners of the parent</a></td>
<td class="num">&#8364; (2,416,000,000)<span></span>
</td>
<td class="num">&#8364; (616,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Netincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Netincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Netinterestincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net interest income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Netinterestincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GrossProfit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of revenue less cost of sales. [Refer: Cost of sales; Revenue]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 103<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GrossProfit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToOwnersOfParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to owners of the parent. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81B_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToOwnersOfParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) before tax expense or income. [Refer: Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 103<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2019-01-01<br> -Paragraph 33<br> -Subparagraph b<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_33_b_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentAxis=country_ES</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentAxis=country_TK">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentAxis=country_TK</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentAxis=country_SA">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentAxis=country_SA</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentAxis=bbva_RestofeurasiaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentAxis=bbva_RestofeurasiaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IncomebyoperatingsegmentAxis=bbva_CorporatecenterMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IncomebyoperatingsegmentAxis=bbva_CorporatecenterMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170000056">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 6 - Risk Management - Hedging Intruments Affected By IBOR (Details) - Group [Member]<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Operationsandamountslineitems', window );"><strong>Operations And Amounts LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalmoratoriumsandguarantees', window );">Total Moratoriums And Guarantees</a></td>
<td class="nump">50,049,513,228<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Creditinvestment', window );">Credit Investment</a></td>
<td class="nump">11.90%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember', window );">Existing Moratoriums [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Operationsandamountslineitems', window );"><strong>Operations And Amounts LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Privatemoratorium', window );">Moratorium</a></td>
<td class="nump">29,668,411,180<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember', window );">Ended Moratoriums [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Operationsandamountslineitems', window );"><strong>Operations And Amounts LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Privatemoratorium', window );">Moratorium</a></td>
<td class="nump">6,590,198,784<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Operationsandamountslineitems', window );"><strong>Operations And Amounts LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Privatemoratorium', window );">Moratorium</a></td>
<td class="nump">36,258,609,964<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Publicmoratorium', window );">Public Guarantee</a></td>
<td class="nump">13,790,903,264<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_NumberofclientsMember', window );">Number Of Clients [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Operationsandamountslineitems', window );"><strong>Operations And Amounts LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Privatemoratorium', window );">Moratorium</a></td>
<td class="nump">3,138,894<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Publicmoratorium', window );">Public Guarantee</a></td>
<td class="nump">196,186<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Creditinvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Creditinvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Operationsandamountslineitems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Operationsandamountslineitems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Privatemoratorium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Privatemoratorium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Publicmoratorium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Publicmoratorium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalmoratoriumsandguarantees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalmoratoriumsandguarantees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofcounterpartyaxisAxis=bbva_BbvagroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcounterpartyaxisAxis=bbva_BbvagroupMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofoperationaxisAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofoperationaxisAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofoperationaxisAxis=bbva_NumberofclientsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofoperationaxisAxis=bbva_NumberofclientsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>120
<FILENAME>R103.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664171913432">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 6 - Risk Management - Operations Of Loans Given By The Group With PublicGuarantees (Details)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th">
<div>Jun. 30, 2020 </div>
<div>EUR (&#8364;)</div>
</th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcounterpartyaxisAxis=bbva_BbvagroupMember', window );">Group [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Publicguaranteesgivenbythegroup', window );">Public Guarantees Given By The Group</a></td>
<td class="nump">&#8364; 13,791,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcounterpartyaxisAxis=bbva_PrivateindividualsMember', window );">Private Individuals [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Publicguaranteesgivenbythegroup', window );">Public Guarantees Given By The Group</a></td>
<td class="nump">863,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcounterpartyaxisAxis=bbva_MortagesMember', window );">Mortages [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Publicguaranteesgivenbythegroup', window );">Public Guarantees Given By The Group</a></td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcounterpartyaxisAxis=bbva_SmallcompaniesMember', window );">Small Companies [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Publicguaranteesgivenbythegroup', window );">Public Guarantees Given By The Group</a></td>
<td class="nump">7,723,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcounterpartyaxisAxis=bbva_NonFinancialEntitiesMember', window );">Non Financial Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Publicguaranteesgivenbythegroup', window );">Public Guarantees Given By The Group</a></td>
<td class="nump">5,126,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcounterpartyaxisAxis=bbva_OtherMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Publicguaranteesgivenbythegroup', window );">Public Guarantees Given By The Group</a></td>
<td class="nump">79,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember', window );">Existing Moratoriums [Member] | Group [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">29,668,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember', window );">Existing Moratoriums [Member] | Private Individuals [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">17,975,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember', window );">Existing Moratoriums [Member] | Mortages [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">9,318,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember', window );">Existing Moratoriums [Member] | Small Companies [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">6,397,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember', window );">Existing Moratoriums [Member] | Non Financial Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">5,006,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember', window );">Existing Moratoriums [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">290,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember', window );">Ended Moratoriums [Member] | Group [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">6,590,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember', window );">Ended Moratoriums [Member] | Private Individuals [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">3,563,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember', window );">Ended Moratoriums [Member] | Mortages [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">2,152,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember', window );">Ended Moratoriums [Member] | Small Companies [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">792,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember', window );">Ended Moratoriums [Member] | Non Financial Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">2,221,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember', window );">Ended Moratoriums [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">14,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_TotalMember', window );">Total | Group [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">36,259,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_TotalMember', window );">Total | Private Individuals [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">21,538,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_TotalMember', window );">Total | Mortages [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">11,470,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_TotalMember', window );">Total | Small Companies [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">7,189,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_TotalMember', window );">Total | Non Financial Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">7,227,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofoperationaxisAxis=bbva_TotalMember', window );">Total | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansoperationsandamountslineitems', window );"><strong>Loans Operations And Amounts Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Moratoriumsfrompublicguarantees', window );">Moratoriums Public Guarantees</a></td>
<td class="nump">&#8364; 304,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansoperationsandamountslineitems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansoperationsandamountslineitems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Moratoriumsfrompublicguarantees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Moratoriumsfrompublicguarantees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Publicguaranteesgivenbythegroup">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Publicguaranteesgivenbythegroup</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofcounterpartyaxisAxis=bbva_BbvagroupMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcounterpartyaxisAxis=bbva_BbvagroupMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofcounterpartyaxisAxis=bbva_PrivateindividualsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcounterpartyaxisAxis=bbva_PrivateindividualsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofcounterpartyaxisAxis=bbva_MortagesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcounterpartyaxisAxis=bbva_MortagesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcounterpartyaxisAxis=bbva_NonFinancialEntitiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcounterpartyaxisAxis=bbva_OtherMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofoperationaxisAxis=bbva_ExistingmoratoriumsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofoperationaxisAxis=bbva_EndedmoratoriumsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofoperationaxisAxis=bbva_TotalMember</td>
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<td></td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>121
<FILENAME>R104.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664166894088">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 6 - Risk Management -Principal Geographical Areas GDP (Details)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Jun. 30, 2020</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Spain [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(11.54%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Spain [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">7.53%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Spain [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.94%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Spain [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.09%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Spain [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.07%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Spain [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Mexico [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(9.97%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Mexico [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.08%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Mexico [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.18%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Mexico [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.49%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Mexico [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.53%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Mexico [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.46%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | United States [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(4.40%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | United States [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.58%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | United States [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.36%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | United States [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.08%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | United States [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.09%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | United States [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.11%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Peru [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(14.97%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Peru [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">8.86%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Peru [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.53%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Peru [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.68%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Peru [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.63%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Peru [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.21%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Argetina [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(5.94%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Argetina [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.54%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Argetina [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.02%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Argetina [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.96%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Argetina [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.97%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Argetina [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.99%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Colombia [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(3.07%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Colombia [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.98%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Colombia [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.64%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Colombia [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.32%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Colombia [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.47%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Colombia [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Turkey [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">0.15%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Turkey [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">5.04%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Turkey [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.53%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Turkey [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.52%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Turkey [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.51%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember', window );">GDP [Member] | Turkey [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Spain [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">20.49%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Spain [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">17.33%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Spain [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">15.68%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Spain [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">14.42%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Spain [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">13.25%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Spain [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">12.11%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Mexico [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.59%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Mexico [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.45%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Mexico [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.03%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Mexico [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.06%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Mexico [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.05%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Mexico [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.02%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | United States [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">7.82%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | United States [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">5.02%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | United States [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.24%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | United States [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.09%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | United States [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | United States [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">4.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Peru [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">30.07%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Peru [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">13.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Peru [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.48%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Peru [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.39%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Peru [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Peru [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Argetina [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">14.23%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Argetina [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.53%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Argetina [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">10.23%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Argetina [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">9.70%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Argetina [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">8.75%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Argetina [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">7.78%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Colombia [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">16.95%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Colombia [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">14.13%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Colombia [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.81%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Colombia [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.63%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Colombia [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.42%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Colombia [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">11.22%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Turkey [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">14.03%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Turkey [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">13.43%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Turkey [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">10.78%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Turkey [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">10.38%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Turkey [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">10.23%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember', window );">Unemployment [Member] | Turkey [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">10.03%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Spain [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(4.08%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Spain [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(5.24%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Spain [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">6.28%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Spain [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">5.01%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Spain [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.65%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Spain [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">3.11%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Mexico [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.02%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Mexico [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(1.53%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Mexico [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">0.09%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Mexico [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(0.02%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Mexico [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">0.67%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | Mexico [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">0.95%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | United States [Member] | Year 2020 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(0.33%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | United States [Member] | Year 2021 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="num">(0.39%)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | United States [Member] | Year 2022 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.86%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | United States [Member] | Year 2023 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.59%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | United States [Member] | Year 2024 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">2.14%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember', window );">HPR [Member] | United States [Member] | Year 2025 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofgdpscenariosAxisTable', window );"><strong>Type Of GDP Scenarios [Table]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gdpscenarioslineitems', window );">GDP Scenarios Line Items</a></td>
<td class="nump">1.55%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gdpscenarioslineitems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gdpscenarioslineitems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofgdpscenariosAxisTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofgdpscenariosAxisTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofgdpscenariosaxisAxis=bbva_GdpMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryaxisAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CountryaxisAxis=country_ES</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PeriodaxisAxis=bbva_Year2020Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodaxisAxis=bbva_Year2020Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PeriodaxisAxis=bbva_Year2021Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodaxisAxis=bbva_Year2021Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PeriodaxisAxis=bbva_Year2022Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodaxisAxis=bbva_Year2022Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PeriodaxisAxis=bbva_Year2023Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodaxisAxis=bbva_Year2023Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PeriodaxisAxis=bbva_Year2024memberMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodaxisAxis=bbva_Year2024memberMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PeriodaxisAxis=bbva_Year2025Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PeriodaxisAxis=bbva_Year2025Member</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CountryaxisAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryaxisAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CountryaxisAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CountryaxisAxis=country_PE</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryaxisAxis=country_AR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CountryaxisAxis=country_AR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryaxisAxis=country_CO">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CountryaxisAxis=country_CO</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CountryaxisAxis=country_TK">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CountryaxisAxis=country_TK</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofgdpscenariosaxisAxis=bbva_UnemploymentMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofgdpscenariosaxisAxis=bbva_HprMember</td>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664168986200">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 6 - Risk Management - Maximum Credit Risk Exposure (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">&#8364; 70,093,000,000<span></span>
</td>
<td class="nump">&#8364; 69,503,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsheldfortradingMember', window );">Debt securities Financial Assets Held for trading [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">26,640,000,000<span></span>
</td>
<td class="nump">26,309,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsfinancialassetsheldfortradingMember', window );">Equity Instruments Financial Assets Held for trading [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">5,862,000,000<span></span>
</td>
<td class="nump">8,892,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsheldfortradingMember', window );">Loans and Advances to Customers Financial Assets Held for trading [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">37,591,000,000<span></span>
</td>
<td class="nump">34,303,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">4,998,000,000<span></span>
</td>
<td class="nump">5,557,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Loans and Advances Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">690,000,000<span></span>
</td>
<td class="nump">1,120,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Debt Securities Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">250,000,000<span></span>
</td>
<td class="nump">110,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Equity Instruments Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">4,058,000,000<span></span>
</td>
<td class="nump">4,327,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsdesignatedatfairvaluethroughtprofitorlossMember', window );">Financial assets designated at fair value throught profit or loss [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">1,098,000,000<span></span>
</td>
<td class="nump">1,214,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DerivativestradingsandhedgingMember', window );">Derivatives tradings and hedging [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">51,649,000,000<span></span>
</td>
<td class="nump">39,462,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">70,207,000,000<span></span>
</td>
<td class="nump">61,293,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">68,385,000,000<span></span>
</td>
<td class="nump">58,841,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">68,079,000,000<span></span>
</td>
<td class="nump">58,590,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">250,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">301,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Equity Instruments Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">1,789,000,000<span></span>
</td>
<td class="nump">2,420,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">33,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">33,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=ifrs-full_FinancialAssetsAtAmortisedCostMember', window );">Financial Assets At Amortised Cost Member | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">463,887,000,000<span></span>
</td>
<td class="nump">451,640,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=ifrs-full_FinancialAssetsAtAmortisedCostMember', window );">Financial Assets At Amortised Cost Member | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">413,517,000,000<span></span>
</td>
<td class="nump">402,024,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=ifrs-full_FinancialAssetsAtAmortisedCostMember', window );">Financial Assets At Amortised Cost Member | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">34,686,000,000<span></span>
</td>
<td class="nump">33,624,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=ifrs-full_FinancialAssetsAtAmortisedCostMember', window );">Financial Assets At Amortised Cost Member | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">15,684,000,000<span></span>
</td>
<td class="nump">15,993,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember', window );">Loans and advances to central banks Financial Assets At Amortised Cost [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">4,792,000,000<span></span>
</td>
<td class="nump">4,285,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember', window );">Loans and advances to central banks Financial Assets At Amortised Cost [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">4,792,000,000<span></span>
</td>
<td class="nump">4,285,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember', window );">Loans and advances to central banks Financial Assets At Amortised Cost [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember', window );">Loans and advances to central banks Financial Assets At Amortised Cost [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember', window );">Loans and advances to credit institutions Financial Assets At Amortised Cost [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">14,859,000,000<span></span>
</td>
<td class="nump">13,664,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember', window );">Loans and advances to credit institutions Financial Assets At Amortised Cost [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">14,822,000,000<span></span>
</td>
<td class="nump">13,500,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember', window );">Loans and advances to credit institutions Financial Assets At Amortised Cost [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">32,000,000<span></span>
</td>
<td class="nump">158,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember', window );">Loans and advances to credit institutions Financial Assets At Amortised Cost [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">6,000,000<span></span>
</td>
<td class="nump">6,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsatamortisedcostMember', window );">Loans and advances to customers Financial Assets At Amortised Cost [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">400,764,000,000<span></span>
</td>
<td class="nump">394,763,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsatamortisedcostMember', window );">Loans and advances to customers Financial Assets At Amortised Cost [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">350,558,000,000<span></span>
</td>
<td class="nump">345,449,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsatamortisedcostMember', window );">Loans and advances to customers Financial Assets At Amortised Cost [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">34,568,000,000<span></span>
</td>
<td class="nump">33,360,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsatamortisedcostMember', window );">Loans and advances to customers Financial Assets At Amortised Cost [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">15,637,000,000<span></span>
</td>
<td class="nump">15,954,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatamortisedcostMember', window );">Debt securities Financial Assets At Amortised Cost [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">43,473,000,000<span></span>
</td>
<td class="nump">38,930,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatamortisedcostMember', window );">Debt securities Financial Assets At Amortised Cost [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">43,346,000,000<span></span>
</td>
<td class="nump">38,790,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatamortisedcostMember', window );">Debt securities Financial Assets At Amortised Cost [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">86,000,000<span></span>
</td>
<td class="nump">106,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatamortisedcostMember', window );">Debt securities Financial Assets At Amortised Cost [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">41,000,000<span></span>
</td>
<td class="nump">33,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalfinancialassetsriskMember', window );">Total Financial Assets Risk [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">661,932,000,000<span></span>
</td>
<td class="nump">628,670,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalfinancialassetsriskMember', window );">Total Financial Assets Risk [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalfinancialassetsriskMember', window );">Total Financial Assets Risk [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalfinancialassetsriskMember', window );">Total Financial Assets Risk [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalloancommitmentsandfinancialguaranteesMember', window );">Total Loan Commitments and Financial Guarantees [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">184,046,000,000<span></span>
</td>
<td class="nump">181,116,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalloancommitmentsandfinancialguaranteesMember', window );">Total Loan Commitments and Financial Guarantees [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">171,130,000,000<span></span>
</td>
<td class="nump">169,663,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalloancommitmentsandfinancialguaranteesMember', window );">Total Loan Commitments and Financial Guarantees [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">11,987,000,000<span></span>
</td>
<td class="nump">10,452,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalloancommitmentsandfinancialguaranteesMember', window );">Total Loan Commitments and Financial Guarantees [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">929,000,000<span></span>
</td>
<td class="nump">1,001,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansgivencommitmentsMember', window );">Loans Given Commitments [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">134,494,000,000<span></span>
</td>
<td class="nump">130,923,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansgivencommitmentsMember', window );">Loans Given Commitments [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">126,310,000,000<span></span>
</td>
<td class="nump">123,707,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansgivencommitmentsMember', window );">Loans Given Commitments [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">7,957,000,000<span></span>
</td>
<td class="nump">6,945,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansgivencommitmentsMember', window );">Loans Given Commitments [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">227,000,000<span></span>
</td>
<td class="nump">270,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialguaranteesgivenMember', window );">Financial Guarantees Given [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">10,989,000,000<span></span>
</td>
<td class="nump">10,984,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialguaranteesgivenMember', window );">Financial Guarantees Given [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">9,709,000,000<span></span>
</td>
<td class="nump">9,804,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialguaranteesgivenMember', window );">Financial Guarantees Given [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">1,020,000,000<span></span>
</td>
<td class="nump">955,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialguaranteesgivenMember', window );">Financial Guarantees Given [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">261,000,000<span></span>
</td>
<td class="nump">224,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_OthercommitmentsgivenMember', window );">Other Commitments Given [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">38,563,000,000<span></span>
</td>
<td class="nump">39,209,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_OthercommitmentsgivenMember', window );">Other Commitments Given [Member] | Stage 1 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">35,111,000,000<span></span>
</td>
<td class="nump">36,151,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_OthercommitmentsgivenMember', window );">Other Commitments Given [Member] | Stage 2 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">3,010,000,000<span></span>
</td>
<td class="nump">2,552,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_OthercommitmentsgivenMember', window );">Other Commitments Given [Member] | Stage 3 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">441,000,000<span></span>
</td>
<td class="nump">506,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalmaximuncreditexposureMember', window );">Total Maximun Credit Exposure [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditexposureLineItems', window );"><strong>Credit Exposure Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MaximumExposureToCreditRisk', window );">Maximum Exposure To Credit Risk</a></td>
<td class="nump">&#8364; 845,978,000,000<span></span>
</td>
<td class="nump">&#8364; 809,786,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MaximumExposureToCreditRisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: Credit risk [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35K<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35K_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 36<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_36_a&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MaximumExposureToCreditRisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsheldfortradingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsheldfortradingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesofstageAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesofstageAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsheldfortradingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsheldfortradingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsfinancialassetsheldfortradingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsfinancialassetsheldfortradingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsheldfortradingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsheldfortradingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsnontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsdesignatedatfairvaluethroughtprofitorlossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsdesignatedatfairvaluethroughtprofitorlossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DerivativestradingsandhedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DerivativestradingsandhedgingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatfairvaluethroughothercomprehensiveincomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatfairvaluethroughothercomprehensiveincomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesofstageAxis=bbva_Stage1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesofstageAxis=bbva_Stage1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesofstageAxis=bbva_Stage2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesofstageAxis=bbva_Stage2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesofstageAxis=bbva_Stage3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesofstageAxis=bbva_Stage3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_EquityinstrumentsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditiinstitutionsfinancialassetsatfairvaluethroughothercomprehensiveincomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=ifrs-full_FinancialAssetsAtAmortisedCostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=ifrs-full_FinancialAssetsAtAmortisedCostMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocentralbanksfinancialassetsatamortisedcostMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocreditinstitutionsfinancialassetsatamortisedcostMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
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<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsatamortisedcostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansandadvancestocustomersfinancialassetsatamortisedcostMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatamortisedcostMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_DebtsecuritiesfinancialassetsatamortisedcostMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalfinancialassetsriskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalfinancialassetsriskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
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<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalloancommitmentsandfinancialguaranteesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalloancommitmentsandfinancialguaranteesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansgivencommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_LoansgivencommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialguaranteesgivenMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_FinancialguaranteesgivenMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_OthercommitmentsgivenMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_OthercommitmentsgivenMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalmaximuncreditexposureMember">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditexposureclassesoffinancialinstrumentsAxis=bbva_TotalmaximuncreditexposureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664166402008">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 6 - Risk Management - Credit Risk Exposure By Stages and geographic location (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_ES', window );">Spain [Member] | Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 206,649,000,000<span></span>
</td>
<td class="nump">&#8364; 197,058,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(5,734,000,000)<span></span>
</td>
<td class="num">(5,311,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">200,915,000,000<span></span>
</td>
<td class="nump">191,747,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_ES', window );">Spain [Member] | Stage 1 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">184,249,000,000<span></span>
</td>
<td class="nump">173,843,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(824,000,000)<span></span>
</td>
<td class="num">(712,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">183,425,000,000<span></span>
</td>
<td class="nump">173,131,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_ES', window );">Spain [Member] | Stage 2 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">14,077,000,000<span></span>
</td>
<td class="nump">14,599,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(785,000,000)<span></span>
</td>
<td class="num">(661,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">13,292,000,000<span></span>
</td>
<td class="nump">13,939,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_ES', window );">Spain [Member] | Stage 3 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">8,323,000,000<span></span>
</td>
<td class="nump">8,616,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(4,125,000,000)<span></span>
</td>
<td class="num">(3,939,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,198,000,000<span></span>
</td>
<td class="nump">4,677,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_US', window );">United States [Member] | Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">61,572,000,000<span></span>
</td>
<td class="nump">57,387,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,028,000,000)<span></span>
</td>
<td class="num">(688,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">60,544,000,000<span></span>
</td>
<td class="nump">56,699,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_US', window );">United States [Member] | Stage 1 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">52,860,000,000<span></span>
</td>
<td class="nump">49,744,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(317,000,000)<span></span>
</td>
<td class="num">(165,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">52,542,000,000<span></span>
</td>
<td class="nump">49,580,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_US', window );">United States [Member] | Stage 2 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,939,000,000<span></span>
</td>
<td class="nump">7,011,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(471,000,000)<span></span>
</td>
<td class="num">(342,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">7,468,000,000<span></span>
</td>
<td class="nump">6,670,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_US', window );">United States [Member] | Stage 3 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">773,000,000<span></span>
</td>
<td class="nump">632,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(240,000,000)<span></span>
</td>
<td class="num">(182,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">533,000,000<span></span>
</td>
<td class="nump">450,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_MX', window );">Mexico [Member] | Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">51,414,000,000<span></span>
</td>
<td class="nump">60,099,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,972,000,000)<span></span>
</td>
<td class="num">(2,013,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">49,442,000,000<span></span>
</td>
<td class="nump">58,087,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_MX', window );">Mexico [Member] | Stage 1 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">45,386,000,000<span></span>
</td>
<td class="nump">54,748,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(761,000,000)<span></span>
</td>
<td class="num">(697,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">44,626,000,000<span></span>
</td>
<td class="nump">54,052,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_MX', window );">Mexico [Member] | Stage 2 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,833,000,000<span></span>
</td>
<td class="nump">3,873,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(459,000,000)<span></span>
</td>
<td class="num">(404,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,374,000,000<span></span>
</td>
<td class="nump">3,469,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_MX', window );">Mexico [Member] | Stage 3 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,194,000,000<span></span>
</td>
<td class="nump">1,478,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(752,000,000)<span></span>
</td>
<td class="num">(912,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">442,000,000<span></span>
</td>
<td class="nump">566,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_TK', window );">Turkey [Member] | Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">44,061,000,000<span></span>
</td>
<td class="nump">43,113,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(2,865,000,000)<span></span>
</td>
<td class="num">(2,613,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">41,196,000,000<span></span>
</td>
<td class="nump">40,500,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_TK', window );">Turkey [Member] | Stage 1 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">36,113,000,000<span></span>
</td>
<td class="nump">34,536,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(215,000,000)<span></span>
</td>
<td class="num">(189,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">35,898,000,000<span></span>
</td>
<td class="nump">34,347,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_TK', window );">Turkey [Member] | Stage 2 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">4,417,000,000<span></span>
</td>
<td class="nump">5,127,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(600,000,000)<span></span>
</td>
<td class="num">(450,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">3,817,000,000<span></span>
</td>
<td class="nump">4,677,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_TK', window );">Turkey [Member] | Stage 3 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">3,532,000,000<span></span>
</td>
<td class="nump">3,451,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="num">(2,050,000,000)<span></span>
</td>
<td class="num">(1,974,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">1,482,000,000<span></span>
</td>
<td class="nump">1,477,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_SA', window );">South America [Member] | Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">36,202,000,000<span></span>
</td>
<td class="nump">36,265,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">(1,944,000,000)<span></span>
</td>
<td class="num">(1,769,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">34,258,000,000<span></span>
</td>
<td class="nump">34,497,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_SA', window );">South America [Member] | Stage 1 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">31,099,000,000<span></span>
</td>
<td class="nump">31,754,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">(390,000,000)<span></span>
</td>
<td class="num">(366,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">30,709,000,000<span></span>
</td>
<td class="nump">31,388,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_SA', window );">South America [Member] | Stage 2 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">3,298,000,000<span></span>
</td>
<td class="nump">2,742,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">(422,000,000)<span></span>
</td>
<td class="num">(323,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">2,876,000,000<span></span>
</td>
<td class="nump">2,419,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_SA', window );">South America [Member] | Stage 3 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">1,804,000,000<span></span>
</td>
<td class="nump">1,769,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">(1,131,000,000)<span></span>
</td>
<td class="num">(1,079,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="nump">672,000,000<span></span>
</td>
<td class="nump">690,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=bbva_OtherMember', window );">Other [Member] | Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">866,000,000<span></span>
</td>
<td class="nump">839,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(9,000,000)<span></span>
</td>
<td class="num">(8,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">857,000,000<span></span>
</td>
<td class="nump">832,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=bbva_OtherMember', window );">Other [Member] | Stage 1 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">851,000,000<span></span>
</td>
<td class="nump">824,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">850,000,000<span></span>
</td>
<td class="nump">823,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=bbva_OtherMember', window );">Other [Member] | Stage 2 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">7,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">6,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=bbva_OtherMember', window );">Other [Member] | Stage 3 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="nump">9,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(7,000,000)<span></span>
</td>
<td class="num">(6,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=bbva_TotalMember', window );">Total | Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">400,764,000,000<span></span>
</td>
<td class="nump">394,763,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="num">(13,552,000,000)<span></span>
</td>
<td class="num">(12,402,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">387,212,000,000<span></span>
</td>
<td class="nump">382,360,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=bbva_TotalMember', window );">Total | Stage 1 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">350,558,000,000<span></span>
</td>
<td class="nump">345,449,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="num">(2,508,000,000)<span></span>
</td>
<td class="num">(2,129,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">348,050,000,000<span></span>
</td>
<td class="nump">343,320,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=bbva_TotalMember', window );">Total | Stage 2 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">34,568,000,000<span></span>
</td>
<td class="nump">33,360,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="num">(2,736,000,000)<span></span>
</td>
<td class="num">(2,181,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">31,832,000,000<span></span>
</td>
<td class="nump">31,179,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditriskbygeographiclocationtableaxisAxis=bbva_TotalMember', window );">Total | Stage 3 [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems', window );"><strong>Disclosure Of Credit Risk By Stages And Geographic Location Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Maximumcreditriskexposure', window );">Maximum Credit Risk Exposure</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">15,637,000,000<span></span>
</td>
<td class="nump">15,954,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedvaluecorrection', window );">Accumulated Value Correction</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="num">(8,307,000,000)<span></span>
</td>
<td class="num">(8,093,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netamount', window );">Net Amount</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[4]</sup></td>
<td class="nump">&#8364; 7,330,000,000<span></span>
</td>
<td class="nump">&#8364; 7,861,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)     </font>
          <font style="font-family:Arial;font-size:6pt;">Spain includes all the countries where BBVA, S.A. operates</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(**)    </font>
          <font style="font-family:Arial;font-size:6pt;">Turkey includes all the countries in which Garanti BBVA operates</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(***)   </font>
          <font style="font-family:Arial;font-size:6pt;">In South America, BBVA Group operates in Argentina, Chile, Colombia, Paraguay, Peru, Uruguay and Venezuela</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[4]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(****)  </font>
          <font style="font-family:Arial;font-size:6pt;">The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation (PPA) and were originated mainly in the acquisition of Catalunya Banc S.A. (as of June 30, 2020, the remaining balance was &#8364;399 million). These valuation adjustments are recognized in the </font>
          <font style="font-family:Arial;font-size:6pt;">consolidated </font>
          <font style="font-family:Arial;font-size:6pt;">income statement during the residual life of the instrument or applied as allowances in the value of the financial instrument when the losses materialize.</font>
        </p>
      </div></td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Accumulatedvaluecorrection">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Accumulatedvaluecorrection</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Disclosureofcreditriskbystagesandgeographiclocationlineitems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Maximumcreditriskexposure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Maximumcreditriskexposure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Netamount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Netamount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_ES">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditriskbygeographiclocationtableaxisAxis=country_ES</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditriskbystagesaxisAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditriskbystagesaxisAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditriskbystagesaxisAxis=bbva_Stage1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditriskbystagesaxisAxis=bbva_Stage1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditriskbystagesaxisAxis=bbva_Stage2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditriskbystagesaxisAxis=bbva_Stage2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditriskbystagesaxisAxis=bbva_Stage3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditriskbystagesaxisAxis=bbva_Stage3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditriskbygeographiclocationtableaxisAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditriskbygeographiclocationtableaxisAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664167318344">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 6 - Risk Management - Breakdown Loans and Advances Net of Impairment Losses (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OndemandandshortnoticeMember', window );">On demand and short notice [Member] | By Product [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OndemandandshortnoticeMember', window );">On demand and short notice [Member] | By Product [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">37,000,000<span></span>
</td>
<td class="nump">9,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OndemandandshortnoticeMember', window );">On demand and short notice [Member] | By Product [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OndemandandshortnoticeMember', window );">On demand and short notice [Member] | By Product [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">164,000,000<span></span>
</td>
<td class="nump">118,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OndemandandshortnoticeMember', window );">On demand and short notice [Member] | By Product [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">2,126,000,000<span></span>
</td>
<td class="nump">2,328,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OndemandandshortnoticeMember', window );">On demand and short notice [Member] | By Product [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">516,000,000<span></span>
</td>
<td class="nump">595,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OndemandandshortnoticeMember', window );">On demand and short notice [Member] | By Product [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">2,844,000,000<span></span>
</td>
<td class="nump">3,050,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OndemandandshortnoticeMember', window );">On demand and short notice [Member] | By Product [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">3,048,000,000<span></span>
</td>
<td class="nump">3,251,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_CreditcarddebtMember', window );">Credit Card Debt [Member] | By Product [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_CreditcarddebtMember', window );">Credit Card Debt [Member] | By Product [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">9,000,000<span></span>
</td>
<td class="nump">10,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_CreditcarddebtMember', window );">Credit Card Debt [Member] | By Product [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_CreditcarddebtMember', window );">Credit Card Debt [Member] | By Product [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">3,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_CreditcarddebtMember', window );">Credit Card Debt [Member] | By Product [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">1,555,000,000<span></span>
</td>
<td class="nump">1,940,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_CreditcarddebtMember', window );">Credit Card Debt [Member] | By Product [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">11,717,000,000<span></span>
</td>
<td class="nump">14,401,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_CreditcarddebtMember', window );">Credit Card Debt [Member] | By Product [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">13,283,000,000<span></span>
</td>
<td class="nump">16,355,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_CreditcarddebtMember', window );">Credit Card Debt [Member] | By Product [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">14,486,000,000<span></span>
</td>
<td class="nump">17,608,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=ifrs-full_TradeReceivablesMember', window );">Trade Receivables [Member] | By Product [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">796,000,000<span></span>
</td>
<td class="nump">971,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=ifrs-full_TradeReceivablesMember', window );">Trade Receivables [Member] | By Product [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=ifrs-full_TradeReceivablesMember', window );">Trade Receivables [Member] | By Product [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">470,000,000<span></span>
</td>
<td class="nump">230,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=ifrs-full_TradeReceivablesMember', window );">Trade Receivables [Member] | By Product [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">12,805,000,000<span></span>
</td>
<td class="nump">15,976,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=ifrs-full_TradeReceivablesMember', window );">Trade Receivables [Member] | By Product [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">71,000,000<span></span>
</td>
<td class="nump">99,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=ifrs-full_TradeReceivablesMember', window );">Trade Receivables [Member] | By Product [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">14,142,000,000<span></span>
</td>
<td class="nump">17,276,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=ifrs-full_TradeReceivablesMember', window );">Trade Receivables [Member] | By Product [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">14,444,000,000<span></span>
</td>
<td class="nump">17,617,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember', window );">Finance Leases [Member] | By Product [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember', window );">Finance Leases [Member] | By Product [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">195,000,000<span></span>
</td>
<td class="nump">227,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember', window );">Finance Leases [Member] | By Product [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember', window );">Finance Leases [Member] | By Product [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">6,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember', window );">Finance Leases [Member] | By Product [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">7,561,000,000<span></span>
</td>
<td class="nump">8,091,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember', window );">Finance Leases [Member] | By Product [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">351,000,000<span></span>
</td>
<td class="nump">387,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember', window );">Finance Leases [Member] | By Product [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">8,113,000,000<span></span>
</td>
<td class="nump">8,711,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember', window );">Finance Leases [Member] | By Product [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">8,474,000,000<span></span>
</td>
<td class="nump">9,095,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember', window );">Reverse Repurchase Agreements [Member] | By Product [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">430,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember', window );">Reverse Repurchase Agreements [Member] | By Product [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember', window );">Reverse Repurchase Agreements [Member] | By Product [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">2,269,000,000<span></span>
</td>
<td class="nump">1,817,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember', window );">Reverse Repurchase Agreements [Member] | By Product [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">887,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember', window );">Reverse Repurchase Agreements [Member] | By Product [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">60,000,000<span></span>
</td>
<td class="nump">26,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember', window );">Reverse Repurchase Agreements [Member] | By Product [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember', window );">Reverse Repurchase Agreements [Member] | By Product [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">3,647,000,000<span></span>
</td>
<td class="nump">1,843,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember', window );">Reverse Repurchase Agreements [Member] | By Product [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">3,656,000,000<span></span>
</td>
<td class="nump">1,848,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember', window );">Other Term Loans [Member] | By Product [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">4,311,000,000<span></span>
</td>
<td class="nump">4,240,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember', window );">Other Term Loans [Member] | By Product [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">25,930,000,000<span></span>
</td>
<td class="nump">26,734,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember', window );">Other Term Loans [Member] | By Product [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">3,793,000,000<span></span>
</td>
<td class="nump">4,121,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember', window );">Other Term Loans [Member] | By Product [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">8,518,000,000<span></span>
</td>
<td class="nump">7,795,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember', window );">Other Term Loans [Member] | By Product [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">153,588,000,000<span></span>
</td>
<td class="nump">137,934,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember', window );">Other Term Loans [Member] | By Product [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">154,750,000,000<span></span>
</td>
<td class="nump">160,223,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember', window );">Other Term Loans [Member] | By Product [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">350,890,000,000<span></span>
</td>
<td class="nump">341,047,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember', window );">Other Term Loans [Member] | By Product [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">362,342,000,000<span></span>
</td>
<td class="nump">351,230,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember', window );">Advances That Are Not Loans [Member] | By Product [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">32,000,000<span></span>
</td>
<td class="nump">35,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember', window );">Advances That Are Not Loans [Member] | By Product [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">377,000,000<span></span>
</td>
<td class="nump">865,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember', window );">Advances That Are Not Loans [Member] | By Product [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">8,812,000,000<span></span>
</td>
<td class="nump">7,743,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember', window );">Advances That Are Not Loans [Member] | By Product [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">3,489,000,000<span></span>
</td>
<td class="nump">3,056,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember', window );">Advances That Are Not Loans [Member] | By Product [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">1,437,000,000<span></span>
</td>
<td class="nump">951,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember', window );">Advances That Are Not Loans [Member] | By Product [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">486,000,000<span></span>
</td>
<td class="nump">506,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember', window );">Advances That Are Not Loans [Member] | By Product [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">14,632,000,000<span></span>
</td>
<td class="nump">13,156,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember', window );">Advances That Are Not Loans [Member] | By Product [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">14,688,000,000<span></span>
</td>
<td class="nump">13,214,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_TotalmemberMember', window );">Total Member [Member] | By Product [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">4,773,000,000<span></span>
</td>
<td class="nump">4,275,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_TotalmemberMember', window );">Total Member [Member] | By Product [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">27,343,000,000<span></span>
</td>
<td class="nump">28,816,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_TotalmemberMember', window );">Total Member [Member] | By Product [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">14,875,000,000<span></span>
</td>
<td class="nump">13,682,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_TotalmemberMember', window );">Total Member [Member] | By Product [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">13,535,000,000<span></span>
</td>
<td class="nump">11,208,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_TotalmemberMember', window );">Total Member [Member] | By Product [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">179,132,000,000<span></span>
</td>
<td class="nump">167,246,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_TotalmemberMember', window );">Total Member [Member] | By Product [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">167,892,000,000<span></span>
</td>
<td class="nump">176,211,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_TotalmemberMember', window );">Total Member [Member] | By Product [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">407,549,000,000<span></span>
</td>
<td class="nump">401,438,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_TotalmemberMember', window );">Total Member [Member] | By Product [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">421,137,000,000<span></span>
</td>
<td class="nump">413,863,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichmortgageloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">953,000,000<span></span>
</td>
<td class="nump">1,067,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichmortgageloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">15,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichmortgageloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">300,000,000<span></span>
</td>
<td class="nump">261,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichmortgageloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">30,850,000,000<span></span>
</td>
<td class="nump">23,575,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichmortgageloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">106,609,000,000<span></span>
</td>
<td class="nump">111,085,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichmortgageloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">138,712,000,000<span></span>
</td>
<td class="nump">136,003,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichmortgageloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">142,457,000,000<span></span>
</td>
<td class="nump">139,317,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichothercollateralizedloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">430,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichothercollateralizedloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">4,660,000,000<span></span>
</td>
<td class="nump">10,447,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichothercollateralizedloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">1,763,000,000<span></span>
</td>
<td class="nump">93,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichothercollateralizedloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">1,629,000,000<span></span>
</td>
<td class="nump">2,106,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichothercollateralizedloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">16,238,000,000<span></span>
</td>
<td class="nump">29,009,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichothercollateralizedloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">4,675,000,000<span></span>
</td>
<td class="nump">6,893,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichothercollateralizedloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">29,396,000,000<span></span>
</td>
<td class="nump">48,548,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichothercollateralizedloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">29,986,000,000<span></span>
</td>
<td class="nump">49,266,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichcreditforconsumpltionmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Credit For Consumpltion [Member] | By Purpose of the Loan [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">43,048,000,000<span></span>
</td>
<td class="nump">46,356,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichcreditforconsumpltionmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Credit For Consumpltion [Member] | By Purpose of the Loan [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">43,048,000,000<span></span>
</td>
<td class="nump">46,356,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichcreditforconsumpltionmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Credit For Consumpltion [Member] | By Purpose of the Loan [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">46,148,000,000<span></span>
</td>
<td class="nump">49,474,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichlendingforhousepurchasememberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Lending For House Purchase [Member] | By Purpose of the Loan [Member] | Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">108,159,000,000<span></span>
</td>
<td class="nump">110,178,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichlendingforhousepurchasememberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Lending For House Purchase [Member] | By Purpose of the Loan [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">108,159,000,000<span></span>
</td>
<td class="nump">110,178,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichlendingforhousepurchasememberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Lending For House Purchase [Member] | By Purpose of the Loan [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">110,005,000,000<span></span>
</td>
<td class="nump">111,636,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichprojectfinanceloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Project Finance Loans [Member] | By Subordination [Member] | Corporate Entities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">12,047,000,000<span></span>
</td>
<td class="nump">12,259,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichprojectfinanceloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Project Finance Loans [Member] | By Subordination [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">12,047,000,000<span></span>
</td>
<td class="nump">12,259,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OfwhichprojectfinanceloansmemberMember', window );">Loans and Advances Net Of Impairment Losses Of Which: Project Finance Loans [Member] | By Subordination [Member] | Gross carrying amount [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandadvancesnetofimpairmentlossesLineItems', window );"><strong>Disclosure of Loans and Advances Net Of Impairment Losses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesnetofimpairmentlosses', window );">Loans and Advances Net Of Impairment Losses</a></td>
<td class="nump">&#8364; 12,328,000,000<span></span>
</td>
<td class="nump">&#8364; 12,415,000,000<span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made, net of imparment losses and classified in different headings of the assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<td style="white-space:nowrap;">bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_FinanceleasesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td style="white-space:nowrap;">bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_ReverserepurchaseagreementsMember</td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_OthertermloansMember</td>
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<td style="white-space:nowrap;">bbva_LoansandadvancesnetofimpairmentlossesaxisAxis=bbva_AdvancesthatarenotloansMember</td>
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<td style="white-space:nowrap;">bbva_LoansandadvancesnetofimpairmentlossesbytypeofinstrumentaxisAxis=bbva_BysecuredloansMember</td>
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<head>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197366760">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 6 - Risk Management - Guaranteed financial instruments based on IFRS9 (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpairedfinancialassetsatamortisedcostLineItems', window );"><strong>Impaired Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedfinancialassetsatamortisedcost', window );">Impaired Financial Assets At Amortised Cost</a></td>
<td class="nump">&#8364; 213,425,000,000<span></span>
</td>
<td class="nump">&#8364; 187,918,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SecuredfinancialinstrumentsaxisAxis=bbva_MaximuncreditriskexposureMember', window );">Real Guarantees [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpairedfinancialassetsatamortisedcostLineItems', window );"><strong>Impaired Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedfinancialassetsatamortisedcost', window );">Impaired Financial Assets At Amortised Cost</a></td>
<td class="nump">157,585,000,000<span></span>
</td>
<td class="nump">152,454,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SecuredfinancialinstrumentsaxisAxis=bbva_MaximuncreditriskexposureMember', window );">Real Guarantees [Member] | Of Which Normal Risk [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpairedfinancialassetsatamortisedcostLineItems', window );"><strong>Impaired Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedfinancialassetsatamortisedcost', window );">Impaired Financial Assets At Amortised Cost</a></td>
<td class="nump">14,983,000,000<span></span>
</td>
<td class="nump">14,623,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SecuredfinancialinstrumentsaxisAxis=bbva_MaximuncreditriskexposureMember', window );">Real Guarantees [Member] | Of Which Doubtful Risk [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpairedfinancialassetsatamortisedcostLineItems', window );"><strong>Impaired Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedfinancialassetsatamortisedcost', window );">Impaired Financial Assets At Amortised Cost</a></td>
<td class="nump">4,204,000,000<span></span>
</td>
<td class="nump">4,590,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SecuredfinancialinstrumentsaxisAxis=bbva_OfwhichguaranteedMember', window );">Other guarantees [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpairedfinancialassetsatamortisedcostLineItems', window );"><strong>Impaired Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedfinancialassetsatamortisedcost', window );">Impaired Financial Assets At Amortised Cost</a></td>
<td class="nump">55,840,000,000<span></span>
</td>
<td class="nump">35,464,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SecuredfinancialinstrumentsaxisAxis=bbva_OfwhichguaranteedMember', window );">Other guarantees [Member] | Of Which Normal Risk [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpairedfinancialassetsatamortisedcostLineItems', window );"><strong>Impaired Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedfinancialassetsatamortisedcost', window );">Impaired Financial Assets At Amortised Cost</a></td>
<td class="nump">4,239,000,000<span></span>
</td>
<td class="nump">3,306,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SecuredfinancialinstrumentsaxisAxis=bbva_OfwhichguaranteedMember', window );">Other guarantees [Member] | Of Which Doubtful Risk [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpairedfinancialassetsatamortisedcostLineItems', window );"><strong>Impaired Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedfinancialassetsatamortisedcost', window );">Impaired Financial Assets At Amortised Cost</a></td>
<td class="nump">&#8364; 559,000,000<span></span>
</td>
<td class="nump">&#8364; 542,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairedfinancialassetsatamortisedcost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of impaired financial assets the entity has, classified at amortized cost</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairedfinancialassetsatamortisedcost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ImpairedfinancialassetsatamortisedcostLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ImpairedfinancialassetsatamortisedcostLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SecuredfinancialinstrumentsaxisAxis=bbva_MaximuncreditriskexposureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_SecuredfinancialinstrumentsaxisAxis=bbva_MaximuncreditriskexposureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GuaranteedsecuredfinancialinstrumentsaxisAxis=bbva_OfwhichnormalriskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GuaranteedsecuredfinancialinstrumentsaxisAxis=bbva_OfwhichnormalriskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GuaranteedsecuredfinancialinstrumentsaxisAxis=bbva_OfwhichdoubtfulriskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GuaranteedsecuredfinancialinstrumentsaxisAxis=bbva_OfwhichdoubtfulriskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SecuredfinancialinstrumentsaxisAxis=bbva_OfwhichguaranteedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_SecuredfinancialinstrumentsaxisAxis=bbva_OfwhichguaranteedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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</body>
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<DOCUMENT>
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<FILENAME>R109.htm
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<TEXT>
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<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176096744">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 6 - Risk Management - Loans And Advances Impaired (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvanceslineitems', window );"><strong>Loans And Advances Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Bookvalue', window );">Book Value</a></td>
<td class="nump">&#8364; 420,414,000,000<span></span>
</td>
<td class="nump">&#8364; 412,711,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loandandadvancesimpaired', window );">Loand And Advances Impaired</a></td>
<td class="nump">15,643,000,000<span></span>
</td>
<td class="nump">15,959,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedimpairment', window );">Accumulated Impairment</a></td>
<td class="num">&#8364; (13,588,000,000)<span></span>
</td>
<td class="num">&#8364; (12,427,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedloansasapercentageofcategorizedloans', window );">Impaired Loans As A Percentage Of Categorized Loans</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesaxisAxis=bbva_CentralbanksMember', window );">Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvanceslineitems', window );"><strong>Loans And Advances Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Bookvalue', window );">Book Value</a></td>
<td class="nump">&#8364; 4,792,000,000<span></span>
</td>
<td class="nump">&#8364; 4,285,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loandandadvancesimpaired', window );">Loand And Advances Impaired</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedimpairment', window );">Accumulated Impairment</a></td>
<td class="num">&#8364; (19,000,000)<span></span>
</td>
<td class="num">&#8364; (9,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedloansasapercentageofcategorizedloans', window );">Impaired Loans As A Percentage Of Categorized Loans</a></td>
<td class="nump">0.30%<span></span>
</td>
<td class="nump">0.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesaxisAxis=bbva_GeneralgovernmentMember', window );">General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvanceslineitems', window );"><strong>Loans And Advances Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Bookvalue', window );">Book Value</a></td>
<td class="nump">&#8364; 27,342,000,000<span></span>
</td>
<td class="nump">&#8364; 28,281,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loandandadvancesimpaired', window );">Loand And Advances Impaired</a></td>
<td class="nump">77,000,000<span></span>
</td>
<td class="nump">88,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedimpairment', window );">Accumulated Impairment</a></td>
<td class="num">&#8364; (83,000,000)<span></span>
</td>
<td class="num">&#8364; (60,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedloansasapercentageofcategorizedloans', window );">Impaired Loans As A Percentage Of Categorized Loans</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesaxisAxis=bbva_CreditinstitutionsMember', window );">Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvanceslineitems', window );"><strong>Loans And Advances Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Bookvalue', window );">Book Value</a></td>
<td class="nump">&#8364; 14,859,000,000<span></span>
</td>
<td class="nump">&#8364; 13,664,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loandandadvancesimpaired', window );">Loand And Advances Impaired</a></td>
<td class="nump">6,000,000<span></span>
</td>
<td class="nump">6,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedimpairment', window );">Accumulated Impairment</a></td>
<td class="num">&#8364; (17,000,000)<span></span>
</td>
<td class="num">&#8364; (15,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedloansasapercentageofcategorizedloans', window );">Impaired Loans As A Percentage Of Categorized Loans</a></td>
<td class="nump">0.10%<span></span>
</td>
<td class="nump">0.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesaxisAxis=bbva_OtherfinancialinstitutionsMember', window );">Other Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvanceslineitems', window );"><strong>Loans And Advances Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Bookvalue', window );">Book Value</a></td>
<td class="nump">&#8364; 13,585,000,000<span></span>
</td>
<td class="nump">&#8364; 11,239,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loandandadvancesimpaired', window );">Loand And Advances Impaired</a></td>
<td class="nump">17,000,000<span></span>
</td>
<td class="nump">17,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedimpairment', window );">Accumulated Impairment</a></td>
<td class="num">&#8364; (50,000,000)<span></span>
</td>
<td class="num">&#8364; (31,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedloansasapercentageofcategorizedloans', window );">Impaired Loans As A Percentage Of Categorized Loans</a></td>
<td class="nump">4.40%<span></span>
</td>
<td class="nump">4.90%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesaxisAxis=bbva_NonfinancialinstitutionsMember', window );">Non Financial Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvanceslineitems', window );"><strong>Loans And Advances Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Bookvalue', window );">Book Value</a></td>
<td class="nump">&#8364; 185,821,000,000<span></span>
</td>
<td class="nump">&#8364; 173,254,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loandandadvancesimpaired', window );">Loand And Advances Impaired</a></td>
<td class="nump">8,190,000,000<span></span>
</td>
<td class="nump">8,467,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedimpairment', window );">Accumulated Impairment</a></td>
<td class="num">&#8364; (7,224,000,000)<span></span>
</td>
<td class="num">&#8364; (6,465,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedloansasapercentageofcategorizedloans', window );">Impaired Loans As A Percentage Of Categorized Loans</a></td>
<td class="nump">4.20%<span></span>
</td>
<td class="nump">4.10%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoansandadvancesaxisAxis=bbva_HouseholdsMember', window );">Households [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvanceslineitems', window );"><strong>Loans And Advances Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Bookvalue', window );">Book Value</a></td>
<td class="nump">&#8364; 174,015,000,000<span></span>
</td>
<td class="nump">&#8364; 181,989,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loandandadvancesimpaired', window );">Loand And Advances Impaired</a></td>
<td class="nump">7,352,000,000<span></span>
</td>
<td class="nump">7,381,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedimpairment', window );">Accumulated Impairment</a></td>
<td class="num">&#8364; (6,195,000,000)<span></span>
</td>
<td class="num">&#8364; (5,847,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairedloansasapercentageofcategorizedloans', window );">Impaired Loans As A Percentage Of Categorized Loans</a></td>
<td class="nump">3.70%<span></span>
</td>
<td class="nump">3.90%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Accumulatedimpairment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Accumulatedimpairment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Bookvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Bookvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairedloansasapercentageofcategorizedloans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairedloansasapercentageofcategorizedloans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loandandadvancesimpaired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loandandadvancesimpaired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvanceslineitems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvanceslineitems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansandadvancesaxisAxis=bbva_CentralbanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansandadvancesaxisAxis=bbva_CentralbanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansandadvancesaxisAxis=bbva_GeneralgovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansandadvancesaxisAxis=bbva_GeneralgovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansandadvancesaxisAxis=bbva_CreditinstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansandadvancesaxisAxis=bbva_CreditinstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansandadvancesaxisAxis=bbva_OtherfinancialinstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansandadvancesaxisAxis=bbva_OtherfinancialinstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansandadvancesaxisAxis=bbva_NonfinancialinstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansandadvancesaxisAxis=bbva_NonfinancialinstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoansandadvancesaxisAxis=bbva_HouseholdsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoansandadvancesaxisAxis=bbva_HouseholdsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>127
<FILENAME>R110.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664171669832">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 6 - Risk Management - Reconciliation Of Changes In Impairment (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial Assets at the beginning</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 16,770,000,000<span></span>
</td>
<td class="nump">&#8364; 17,134,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract', window );"><strong>Increase Decrease In Financial Assets Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Additionsofimpairedassets', window );">Additions Of Impaired Assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,581,000,000<span></span>
</td>
<td class="nump">9,857,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Decreaseofimpairedassets', window );">Decrease Of Impaired Assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(2,517,000,000)<span></span>
</td>
<td class="num">(5,874,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseInFinancialAssets', window );">Net Additions Of Impaired Assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,064,000,000<span></span>
</td>
<td class="nump">3,983,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DecreaseThroughWriteoffFinancialAssets', window );">Decrease Through Write off Financial Assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,778,000,000)<span></span>
</td>
<td class="num">(3,803,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets', window );">Increase Decrease Through Foreign Exchange And Other Movements Financial Assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(322,000,000)<span></span>
</td>
<td class="num">(544,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssets', window );">Financial Assets at the end</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 16,734,000,000<span></span>
</td>
<td class="nump">&#8364; 16,770,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)</font>
          <font style="font-family:Arial;font-size:6pt;"> Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the period as a result of mortgage foreclosures and real estate assets received in lieu of payment as well as monetary recoveries.</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Additionsofimpairedassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gross amount arising from additions of impaired assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Additionsofimpairedassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Decreaseofimpairedassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gross amount arising from decrease of impaired assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Decreaseofimpairedassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DecreaseThroughWriteoffFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The decrease in financial assets resulting from write-off. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph IG20B<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35I<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35I_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35H<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DecreaseThroughWriteoffFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity&#8217;s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity&#8217;s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity&#8217;s own equity instruments. For this purpose the entity&#8217;s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity&#8217;s own equity instruments. [Refer: Financial instruments, class [member]; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 25<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_25&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35H<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35I<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35M<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35M&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35N<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35N&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssets</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35H<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35I<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35I&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInFinancialAssets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseInFinancialAssetsAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in financial assets resulting from foreign exchange and other movements. [Refer: Financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph IG20B<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_IG20B&amp;doctype=Implementation%20Guidance<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 35H<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35H&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664171893688">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 6 - Risk Management - Corrections Loans And Advances At Amortized Cost (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="num">&#8364; (12,427,000,000)<span></span>
</td>
<td class="num">&#8364; (12,217,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostbyoperationsaxisAxis=bbva_EndowmentstoprofitorlossMember', window );">Endowments To Profi tOr Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="num">(6,723,000,000)<span></span>
</td>
<td class="num">(10,236,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostbyoperationsaxisAxis=bbva_RetrievalsMember', window );">Retrievals [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="nump">3,070,000,000<span></span>
</td>
<td class="nump">5,990,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostbyoperationsaxisAxis=bbva_TransferstosuspendedcreditsandexchangerateMember', window );">Transfers To Suspended Credits And Exchange Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="nump">2,493,000,000<span></span>
</td>
<td class="nump">4,036,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Endowments To Profi tOr Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="num">(1,603,000,000)<span></span>
</td>
<td class="num">(1,650,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis=bbva_Stage1Member', window );">Stage 1 [Member] | Retrievals [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="nump">960,000,000<span></span>
</td>
<td class="nump">1,312,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Endowments To Profi tOr Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="num">(1,771,000,000)<span></span>
</td>
<td class="num">(1,923,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis=bbva_Stage2Member', window );">Stage 2 [Member] | Retrievals [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="nump">812,000,000<span></span>
</td>
<td class="nump">1,298,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Endowments To Profi tOr Loss [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="num">(3,350,000,000)<span></span>
</td>
<td class="num">(6,664,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis=bbva_Stage3Member', window );">Stage 3 [Member] | Retrievals [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="nump">1,298,000,000<span></span>
</td>
<td class="nump">3,380,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ValuecorrectionsloansandadvancesatamortizedcostaxisAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Disclosureofvaluecorrectionsofloansandadvancesatamortizedcostlineitems', window );"><strong>Disclosure Of Value Corrections Of Loans and advances at amortized cost line items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuecorrectionsloansandadvancesbylevels', window );">Value Corrections Loans And Advances</a></td>
<td class="num">&#8364; (13,588,000,000)<span></span>
</td>
<td class="num">&#8364; (12,427,000,000)<span></span>
</td>
</tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664167079576">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 - Fair Value - Carrying Value And Fair Value - Assets (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 753,824,000,000<span></span>
</td>
<td class="nump">&#8364; 698,690,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_CashcashbalancesatcentralbanksandotherdemanddepositMember', window );">Cash cash balances at central banks and other demand deposits [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">65,877,000,000<span></span>
</td>
<td class="nump">44,303,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_CashcashbalancesatcentralbanksandotherdemanddepositMember', window );">Cash cash balances at central banks and other demand deposits [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">65,877,000,000<span></span>
</td>
<td class="nump">44,303,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">119,332,000,000<span></span>
</td>
<td class="nump">102,688,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">119,332,000,000<span></span>
</td>
<td class="nump">102,688,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">4,998,000,000<span></span>
</td>
<td class="nump">5,557,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">4,998,000,000<span></span>
</td>
<td class="nump">5,557,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">1,098,000,000<span></span>
</td>
<td class="nump">1,214,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">1,098,000,000<span></span>
</td>
<td class="nump">1,214,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">70,045,000,000<span></span>
</td>
<td class="nump">61,183,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">70,045,000,000<span></span>
</td>
<td class="nump">61,183,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=ifrs-full_FinancialAssetsAtAmortisedCostMember', window );">Financial Assets At Amortised Cost Member | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">450,222,000,000<span></span>
</td>
<td class="nump">439,162,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=ifrs-full_FinancialAssetsAtAmortisedCostMember', window );">Financial Assets At Amortised Cost Member | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">452,719,000,000<span></span>
</td>
<td class="nump">442,788,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_DerivativeshedgeaccountingMember', window );">Derivatives Hedge accounting [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">2,531,000,000<span></span>
</td>
<td class="nump">1,729,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetssaxisAxis=bbva_DerivativeshedgeaccountingMember', window );">Derivatives Hedge accounting [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueassetsLineItems', window );"><strong>Carrying Value And Fair Value Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 2,531,000,000<span></span>
</td>
<td class="nump">&#8364; 1,729,000,000<span></span>
</td>
</tr>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CarryingvalueandfairvalueassetsLineItems</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expiry date 2020-01-01: The amount of resources: (a) controlled by the entity as a result of past events; and (b) from which future economic benefits are expected to flow to the entity.
Effective 2020-01-01: The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Assets</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetssaxisAxis=bbva_CashcashbalancesatcentralbanksandotherdemanddepositMember</td>
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664166841128">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 - Fair Value - Carrying Value And Fair Value - Liabilities (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">&#8364; 704,269,000,000<span></span>
</td>
<td class="nump">&#8364; 643,765,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">108,624,000,000<span></span>
</td>
<td class="nump">89,633,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">108,624,000,000<span></span>
</td>
<td class="nump">89,633,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">9,203,000,000<span></span>
</td>
<td class="nump">10,010,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">9,203,000,000<span></span>
</td>
<td class="nump">10,010,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesaxisAxis=bbva_FinancialliabilitiesatamortizedcostMember', window );">Financial liabilities at amortized cost [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">559,713,000,000<span></span>
</td>
<td class="nump">516,641,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesaxisAxis=bbva_FinancialliabilitiesatamortizedcostMember', window );">Financial liabilities at amortized cost [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">557,678,000,000<span></span>
</td>
<td class="nump">515,910,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesaxisAxis=bbva_DerivativeshedgeaccountingMember', window );">Derivatives Hedge accounting [Member] | Book Value [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">2,368,000,000<span></span>
</td>
<td class="nump">2,233,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LiabilitiesaxisAxis=bbva_DerivativeshedgeaccountingMember', window );">Derivatives Hedge accounting [Member] | Fair Value Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems', window );"><strong>Carrying Value And Fair Value Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">&#8364; 2,368,000,000<span></span>
</td>
<td class="nump">&#8364; 2,233,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CarryingvalueandfairvalueliabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CarryingvalueandfairvalueliabilitiesLineItems</td>
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<tr>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expiry date 2020-01-01: The amount of present obligations of the entity arising from past events, the settlement of which is expected to result in an outflow from the entity of resources embodying economic benefits.
Effective 2020-01-01: The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LiabilitiesaxisAxis=bbva_FinancialliabilitiesheldfortradingMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169119752">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 - Fair Value - Financial Instruments At Fair Value By Levels - Assets (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 753,824,000,000<span></span>
</td>
<td class="nump">&#8364; 698,690,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_CashandcashbalancesincentralbanksandothersMember', window );">Cash And Cash Balances In Central Banks And Others [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">65,686,000,000<span></span>
</td>
<td class="nump">44,111,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_CashandcashbalancesincentralbanksandothersMember', window );">Cash And Cash Balances In Central Banks And Others [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_CashandcashbalancesincentralbanksandothersMember', window );">Cash And Cash Balances In Central Banks And Others [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">191,000,000<span></span>
</td>
<td class="nump">192,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">30,604,000,000<span></span>
</td>
<td class="nump">31,135,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">86,964,000,000<span></span>
</td>
<td class="nump">70,045,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">1,763,000,000<span></span>
</td>
<td class="nump">1,508,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Loans and advances at fair value [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">2,483,000,000<span></span>
</td>
<td class="nump">697,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Loans and advances at fair value [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">33,848,000,000<span></span>
</td>
<td class="nump">32,321,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Loans and advances at fair value [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">1,261,000,000<span></span>
</td>
<td class="nump">1,285,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">15,246,000,000<span></span>
</td>
<td class="nump">18,076,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">11,304,000,000<span></span>
</td>
<td class="nump">8,178,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">89,000,000<span></span>
</td>
<td class="nump">55,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">5,751,000,000<span></span>
</td>
<td class="nump">8,832,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">28,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">82,000,000<span></span>
</td>
<td class="nump">59,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Derivatives [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">7,124,000,000<span></span>
</td>
<td class="nump">3,530,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Derivatives [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">41,785,000,000<span></span>
</td>
<td class="nump">29,546,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsheldfortradingMember', window );">Financial Assets Held For Trading [Member] | Derivatives [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">331,000,000<span></span>
</td>
<td class="nump">109,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">1,629,000,000<span></span>
</td>
<td class="nump">4,305,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">2,224,000,000<span></span>
</td>
<td class="nump">92,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">1,145,000,000<span></span>
</td>
<td class="nump">1,160,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances at fair value [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">152,000,000<span></span>
</td>
<td class="nump">82,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances at fair value [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances at fair value [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">538,000,000<span></span>
</td>
<td class="nump">1,038,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">205,000,000<span></span>
</td>
<td class="nump">91,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">45,000,000<span></span>
</td>
<td class="nump">19,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">1,477,000,000<span></span>
</td>
<td class="nump">4,223,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">2,019,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_NontradingfinancialassetsmandatorilyatfairvaluethroughprofitorlossMember', window );">Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">562,000,000<span></span>
</td>
<td class="nump">103,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">925,000,000<span></span>
</td>
<td class="nump">1,214,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">172,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Loans and advances at fair value [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Loans and advances at fair value [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Loans and advances at fair value [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">925,000,000<span></span>
</td>
<td class="nump">1,214,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">172,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsdesignatedatfairvaluethroughprofitorlossMember', window );">Financial assets designated at fair value through profit or loss [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">57,066,000,000<span></span>
</td>
<td class="nump">50,896,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">12,129,000,000<span></span>
</td>
<td class="nump">9,203,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">849,000,000<span></span>
</td>
<td class="nump">1,084,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Loans and advances at fair value [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">33,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Loans and advances at fair value [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Loans and advances at fair value [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">55,780,000,000<span></span>
</td>
<td class="nump">49,070,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">11,990,000,000<span></span>
</td>
<td class="nump">9,057,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">452,000,000<span></span>
</td>
<td class="nump">604,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">1,254,000,000<span></span>
</td>
<td class="nump">1,794,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">139,000,000<span></span>
</td>
<td class="nump">146,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">397,000,000<span></span>
</td>
<td class="nump">480,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatamortizedcostmemberMember', window );">Financial Assets at amortized cost [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">32,880,000,000<span></span>
</td>
<td class="nump">29,391,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatamortizedcostmemberMember', window );">Financial Assets at amortized cost [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">26,566,000,000<span></span>
</td>
<td class="nump">217,279,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_FinancialassetsatamortizedcostmemberMember', window );">Financial Assets at amortized cost [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">393,273,000,000<span></span>
</td>
<td class="nump">196,119,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_DerivativeshedgeaccountingMember', window );">Derivatives Hedge accounting [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">153,000,000<span></span>
</td>
<td class="nump">44,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_DerivativeshedgeaccountingMember', window );">Derivatives Hedge accounting [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">2,370,000,000<span></span>
</td>
<td class="nump">1,685,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsassetsaxisAxis=bbva_DerivativeshedgeaccountingMember', window );">Derivatives Hedge accounting [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfAssetsLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Assets Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Assets', window );">Assets</a></td>
<td class="nump">&#8364; 8,000,000<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expiry date 2020-01-01: The amount of resources: (a) controlled by the entity as a result of past events; and (b) from which future economic benefits are expected to flow to the entity.
Effective 2020-01-01: The amount of a present economic resource controlled by the entity as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 13<br> -IssueDate 2019-01-01<br> -Paragraph 93<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=13&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_93_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LevelsOfFairValueHierarchyAxis=ifrs-full_Level3OfFairValueHierarchyMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td style="white-space:nowrap;">ifrs-full_ClassesOfFinancialInstrumentsAxis=bbva_EquityinstrumentsMember</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664171912760">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 7 - Fair Value - Financial Instruments At Fair Value By Levels - Liabilities (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">&#8364; 704,269,000,000<span></span>
</td>
<td class="nump">&#8364; 643,765,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">26,953,000,000<span></span>
</td>
<td class="nump">26,266,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">80,095,000,000<span></span>
</td>
<td class="nump">62,541,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">1,576,000,000<span></span>
</td>
<td class="nump">827,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Derivatives [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">8,612,000,000<span></span>
</td>
<td class="nump">4,425,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Derivatives [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">41,048,000,000<span></span>
</td>
<td class="nump">30,419,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Derivatives [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">494,000,000<span></span>
</td>
<td class="nump">175,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">10,614,000,000<span></span>
</td>
<td class="nump">12,246,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">1,219,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Deposits [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">7,727,000,000<span></span>
</td>
<td class="nump">9,595,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Deposits [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">37,828,000,000<span></span>
</td>
<td class="nump">32,121,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesheldfortradingMember', window );">Financial Liabilities Held For Trading [Member] | Deposits [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">1,082,000,000<span></span>
</td>
<td class="nump">649,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">8,120,000,000<span></span>
</td>
<td class="nump">9,984,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">1,083,000,000<span></span>
</td>
<td class="nump">27,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Other Financial Liabilities [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Other Financial Liabilities [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">4,087,000,000<span></span>
</td>
<td class="nump">4,410,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Other Financial Liabilities [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Customer Deposits [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Customer Deposits [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">914,000,000<span></span>
</td>
<td class="nump">944,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Customer Deposits [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Debt Certificates [Member] | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Debt Certificates [Member] | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">3,119,000,000<span></span>
</td>
<td class="nump">4,629,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_FinancialliabilitiesdesignatedatfairvaluethrouhprofitorlossMember', window );">Financial liabilities designated at fair value throuh profit or loss [Member] | Debt Certificates [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">1,083,000,000<span></span>
</td>
<td class="nump">27,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostMember', window );">Financial LiabilitiesAt Amortized Cost | Level 1 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">92,354,000,000<span></span>
</td>
<td class="nump">67,229,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostMember', window );">Financial LiabilitiesAt Amortized Cost | Level 2 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
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<td class="nump">150,399,000,000<span></span>
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<td class="nump">159,082,000,000<span></span>
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<td class="text">&#160;<span></span>
</td>
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</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
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<tr class="rh">
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<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_DerivativeshedgeaccountingMember', window );">Derivatives Hedge accounting [Member] | Level 3 Of Fair Value Hierarchy Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfFairValueMeasurementOfLiabilitiesLineItems', window );"><strong>Disclosure Of Fair Value Measurement Of Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Liabilities', window );">Liabilities</a></td>
<td class="nump">&#8364; 34,000,000<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expiry date 2020-01-01: The amount of present obligations of the entity arising from past events, the settlement of which is expected to result in an outflow from the entity of resources embodying economic benefits.
Effective 2020-01-01: The amount of a present obligation of the entity to transfer an economic resource as a result of past events. Economic resource is a right that has the potential to produce economic benefits.</p></div>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoffinancialinstrumentsliabilitiesAxis=bbva_DebtCertificatesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostMember">
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<td style="white-space:nowrap;">bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=ifrs-full_FinancialLiabilitiesAtAmortisedCostMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_DerivativeshedgeaccountingMember">
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<td style="white-space:nowrap;">bbva_FinancialinstrumentsatfairvaluebylevelsliabilitiesaxisaxisAxis=bbva_DerivativeshedgeaccountingMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<DOCUMENT>
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<FILENAME>R116.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176804168">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 8 - Cash, Cash equivalents in central banks and other demand deposits and Financial liabilities measured at amortized cost - Cash, Cash equivalents in central banks and other demand deposits (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostLineItems', window );"><strong>Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">BBVA Cash Balance Available To The Date</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 65,877,000,000<span></span>
</td>
<td class="nump">&#8364; 44,303,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis=bbva_CashonhandMember', window );">Cash On Hand [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostLineItems', window );"><strong>Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">BBVA Cash Balance Available To The Date</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,669,000,000<span></span>
</td>
<td class="nump">7,060,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis=bbva_CashbalanceatcentralbanksMember', window );">Cash balances at central banks [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostLineItems', window );"><strong>Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">BBVA Cash Balance Available To The Date</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">54,442,000,000<span></span>
</td>
<td class="nump">31,755,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis=bbva_OtherdemanddepositsMember', window );">Other demand deposits [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostLineItems', window );"><strong>Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">BBVA Cash Balance Available To The Date</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,766,000,000<span></span>
</td>
<td class="nump">5,488,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis=bbva_TotalMember', window );">Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostLineItems', window );"><strong>Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CashAndCashEquivalents', window );">BBVA Cash Balance Available To The Date</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 65,877,000,000<span></span>
</td>
<td class="nump">&#8364; 44,303,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   The variation corresponds mainly to the increase in cash held at the Bank of Spain.</font>
        </p>
      </div></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureofcashcashbalancesatcentralbanksandotherdemanddepositsandfinancialliabilitiesmeasuredatamortizedcostLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CashAndCashEquivalents">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash on hand and demand deposits, along with short-term, highly liquid investments that are readily convertible to known amounts of cash and that are subject to an insignificant risk of changes in value. [Refer: Cash; Cash equivalents]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 45<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_45&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B13<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B13_a&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis=bbva_CashonhandMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis=bbva_CashbalanceatcentralbanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis=bbva_OtherdemanddepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<td style="white-space:nowrap;">bbva_TypeofcashcashbalancesatcentralbanksandotherdemanddepositsAxis=bbva_TotalMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<DOCUMENT>
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<FILENAME>R117.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197358680">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 9 - Financial assets and liabilities held for trading - Financial assets and liabilities held for trading (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsheldfortradingabstract', window );"><strong>Financial Assets Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForTrading', window );">Derivative financial assets held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">&#8364; 49,239,000,000<span></span>
</td>
<td class="nump">&#8364; 33,185,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Equityinstrumentsheldfortrading', window );">Equity Instruments Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,862,000,000<span></span>
</td>
<td class="nump">8,892,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtinstrumentsheldfortrading', window );">Debt Instruments Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">26,640,000,000<span></span>
</td>
<td class="nump">26,309,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandreceivablesheldfortrading', window );">Loans and receivables Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">37,591,000,000<span></span>
</td>
<td class="nump">34,303,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial Assets Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">119,332,000,000<span></span>
</td>
<td class="nump">102,688,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialliabilitiesheldfortradingabstract', window );"><strong>Financial Liabilities Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading', window );">Derivative financial liabilities, held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">50,154,000,000<span></span>
</td>
<td class="nump">35,019,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Shortpositionsfinancialliabilitiesheldfortrading', window );">Short positions, held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">11,832,000,000<span></span>
</td>
<td class="nump">12,249,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsheldfortrading', window );">Deposits held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">46,637,000,000<span></span>
</td>
<td class="nump">42,365,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading', window );">Financial Liabilities Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">108,624,000,000<span></span>
</td>
<td class="nump">89,633,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbycentralbanksMember', window );">Issued by central banks [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsheldfortradingabstract', window );"><strong>Financial Assets Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtinstrumentsheldfortrading', window );">Debt Instruments Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,125,000,000<span></span>
</td>
<td class="nump">840,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbypublicadministrationMember', window );">Issued by public administration [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsheldfortradingabstract', window );"><strong>Financial Assets Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtinstrumentsheldfortrading', window );">Debt Instruments Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">23,642,000,000<span></span>
</td>
<td class="nump">23,918,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbycreditinstitutionsMember', window );">Issued by credit institutions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsheldfortradingabstract', window );"><strong>Financial Assets Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtinstrumentsheldfortrading', window );">Debt Instruments Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">838,000,000<span></span>
</td>
<td class="nump">679,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_OtherdebtinstrumentsMember', window );">Other debt instruments [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsheldfortradingabstract', window );"><strong>Financial Assets Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtinstrumentsheldfortrading', window );">Debt Instruments Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,035,000,000<span></span>
</td>
<td class="nump">872,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansandadvancestocentralbanksMember', window );">Loans And Advances To Central Banks [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsheldfortradingabstract', window );"><strong>Financial Assets Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandreceivablesheldfortrading', window );">Loans and receivables Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">636,000,000<span></span>
</td>
<td class="nump">535,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansandadvancestocreditinstitutionsMember', window );">Loans And Advances To Credit Institutions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsheldfortradingabstract', window );"><strong>Financial Assets Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandreceivablesheldfortrading', window );">Loans and receivables Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24,912,000,000<span></span>
</td>
<td class="nump">21,286,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansAndAdvancesToCustomersMember', window );">Loans and advances at fair value [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsheldfortradingabstract', window );"><strong>Financial Assets Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandreceivablesheldfortrading', window );">Loans and receivables Held For Trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">12,044,000,000<span></span>
</td>
<td class="nump">12,482,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_CentralbanksdepositsMember', window );">Central Banks Deposits [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialliabilitiesheldfortradingabstract', window );"><strong>Financial Liabilities Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsheldfortrading', window );">Deposits held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,685,000,000<span></span>
</td>
<td class="nump">7,635,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_CreditinstitutionsdepositsMember', window );">Credit Institutions Deposits [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialliabilitiesheldfortradingabstract', window );"><strong>Financial Liabilities Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsheldfortrading', window );">Deposits held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">28,617,000,000<span></span>
</td>
<td class="nump">24,969,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_CustomersdepositsMember', window );">Customers deposits [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialliabilitiesheldfortradingabstract', window );"><strong>Financial Liabilities Held For Trading Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsheldfortrading', window );">Deposits held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 12,335,000,000<span></span>
</td>
<td class="nump">&#8364; 9,761,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   The variation corresponds mainly to foreign exchange derivatives in BBVA S.A.</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtinstrumentsheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt instruments held for trading. [Refer: Debt instruments; Debt instruments at fair value through profit or loss, classified as held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtinstrumentsheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Depositsheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposits classified as held for trading</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Depositsheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Equityinstrumentsheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments held for trading. [Refer: Equity instrument at fair value through profit or loss, classified as held for trading</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Equityinstrumentsheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialassetsheldfortradingabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialassetsheldfortradingabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialliabilitiesheldfortradingabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialliabilitiesheldfortradingabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandreceivablesheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and receivables held for trading. [Refer: Loans and receivables; Loans and receivables at fair value through profit or loss, classified as held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandreceivablesheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Shortpositionsfinancialliabilitiesheldfortrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of short positions of financial liabilities held for trading. [Refer: Financial liabilities; Financial liabilities at fair value through profit or loss, classified as held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Shortpositionsfinancialliabilitiesheldfortrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialAssetsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for trading. [Refer: Derivative financial assets; Financial assets at fair value through profit or loss, classified as held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for trading. [Refer: Derivative financial liabilities; Financial liabilities at fair value through profit or loss that meet definition of held for trading]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through profit or loss classified as held for trading. A financial asset is classified as held for trading if: (a) it is acquired principally for the purpose of selling it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: At fair value [member]; Financial assets at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_8_a&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at fair value through profit or loss that meet the definition of held for trading. A financial liability is classified as held for trading if: (a) it is acquired or incurred principally for the purpose of selling or repurchasing it in the near term; (b) on initial recognition it is part of a portfolio of identified financial instruments that are managed together and for which there is evidence of a recent actual pattern of short-term profit-taking; or (c) it is a derivative (except for a derivative that is a financial guarantee contract or a designated and effective hedging instrument). [Refer: Financial liabilities at fair value through profit or loss]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbycentralbanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbycentralbanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbypublicadministrationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbypublicadministrationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbycreditinstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_IssuedbycreditinstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_OtherdebtinstrumentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_OtherdebtinstrumentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansandadvancestocentralbanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansandadvancestocentralbanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansandadvancestocreditinstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansandadvancestocreditinstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansAndAdvancesToCustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_LoansAndAdvancesToCustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_CentralbanksdepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_CentralbanksdepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_CreditinstitutionsdepositsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsandliabilitiesheldfortradingdebtsecuritiesaxisAxis=bbva_CustomersdepositsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>135
<FILENAME>R118.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664173484936">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 10 - Non-trading financial assets mandatorily at fair value throug profit or loss (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Nontradingfinancialassetsmandatoryatfairvaluethroughprofitorlossabstract', window );"><strong>Non trading financial assets mandatory at fair value through profit or loss Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Equityinstrumentsmandatorilymeasuredatfairvalue', window );">Equity Instruments Mandatorily Measured At Fair Value</a></td>
<td class="nump">&#8364; 4,058,000,000<span></span>
</td>
<td class="nump">&#8364; 4,327,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue', window );">Debt Securities At Fair Vale Mandatorily Measured At Fair Value</a></td>
<td class="nump">250,000,000<span></span>
</td>
<td class="nump">110,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue', window );">Loans And Advances To Customers Mandatorily Measured At Fair Value</a></td>
<td class="nump">690,000,000<span></span>
</td>
<td class="nump">1,120,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue', window );">Total Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss</a></td>
<td class="nump">&#8364; 4,998,000,000<span></span>
</td>
<td class="nump">&#8364; 5,557,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt securities classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtsecuritiesatfairvalemandatorilymeasuredatfairvalue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Equityinstrumentsmandatorilymeasuredatfairvalue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances to customers classified mandatorily at fair value and measured throught profit or loss (Refer: Non trading financial assets)</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancestocustomersmandatorilymeasuredatfairvalue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss. Financial assets non held for trading</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Nontradingfinancialassetsatfairvaluethroughprofitorlossmandatorilymeasuredatfairvalue</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Nontradingfinancialassetsmandatoryatfairvaluethroughprofitorlossabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Nontradingfinancialassetsmandatoryatfairvaluethroughprofitorlossabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>136
<FILENAME>R119.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170760488">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 11 - Financial Instruments designated at fair value through profit or loss (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract', window );"><strong>Financial Assets At Fair Value Through Profit Or Loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtsecuritiesatfairvale', window );">Debt Securities, at fair value</a></td>
<td class="nump">&#8364; 1,098,000,000<span></span>
</td>
<td class="nump">&#8364; 1,214,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss', window );">FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS</a></td>
<td class="nump">1,098,000,000<span></span>
</td>
<td class="nump">1,214,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract', window );"><strong>Financial Liabilities At Fair Value Through Profit Or Loss</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsatfairvaluethroughprofitorloss', window );">Deposits at fair value through profit or loss</a></td>
<td class="nump">914,000,000<span></span>
</td>
<td class="nump">944,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtsecuritiesatfairvaluethroughprofitorloss', window );">Debt securities at fair value through profit or loss</a></td>
<td class="nump">4,202,000,000<span></span>
</td>
<td class="nump">4,656,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherfinancialliabilitiesandunitlinkedproductsliabilities', window );">OtherFinancialLiabilitiesAndUnitLinkedProductsLiabilities</a></td>
<td class="nump">4,087,000,000<span></span>
</td>
<td class="nump">4,410,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss', window );">TOTAL Financial Liabilities At Fair Value Through Profit or Loss</a></td>
<td class="nump">&#8364; 9,203,000,000<span></span>
</td>
<td class="nump">&#8364; 10,010,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtsecuritiesatfairvale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt instruments held, at fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtsecuritiesatfairvale</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtsecuritiesatfairvaluethroughprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt securities corresponding to financial liabilities designated at fair value throught profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtsecuritiesatfairvaluethroughprofitorloss</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Depositsatfairvaluethroughprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposits corresponding to financial liabilities designated at fair value throught profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Depositsatfairvaluethroughprofitorloss</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherfinancialliabilitiesandunitlinkedproductsliabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherfinancialliabilitiesandunitlinkedproductsliabilities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets that are measured at fair value and for which gains (losses) are recognised in profit or loss. A financial asset shall be measured at fair value through profit or loss unless it is measured at amortised cost or at fair value through other comprehensive income. A gain (loss) on a financial asset measured at fair value shall be recognised in profit or loss unless it is part of a hedging relationship, it is an investment in an equity instrument for which the entity has elected to present gains and losses in other comprehensive income or it is a financial asset measured at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughProfitOrLossAbstract</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that meet either of the following conditions: (a) they meet the definition of held for trading; or (b) upon initial recognition they are designated by the entity as at fair value through profit or loss. An entity may use this designation only when permitted by paragraph 4.3.5 of IFRS 9 (embedded derivatives) or when doing so results in more relevant information, because either: (a) it eliminates or significantly reduces a measurement or recognition inconsistency (sometimes referred to as &#8216;an accounting mismatch&#8217;) that would otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases; or (b) a group of financial liabilities or financial assets and financial liabilities is managed and its performance is 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&#8217;s key management personnel (as defined in IAS 24). [Refer: At fair value [member]; Key management personnel of entity or parent [member]; Derivatives [member]; Financial assets; Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtFairValueThroughProfitOrLossAbstract</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>137
<FILENAME>R120.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664228846600">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 12 - Financial assets at fair value through other comprehensive income (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract', window );"><strong>Financial Assets At Fair Value Through Other Comprehensive Income Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Equityinstrumentsatfairvaluethroughothercomprehensiveincome', window );">Equity instruments At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 1,789,000,000<span></span>
</td>
<td class="nump">&#8364; 2,420,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtinstrumentsatfairvaluethroughothercomprehensiveincome', window );">Debt Instruments At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">68,223,000,000<span></span>
</td>
<td class="nump">58,731,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancesatfairvaluethroughothercomprehensiveincome', window );">Loans and advances at fair value through other comprehensive income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">33,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome', window );">Financial Assets At Fair Value Through Other Comprehensive Income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">70,045,000,000<span></span>
</td>
<td class="nump">61,183,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Ofwhichvaluecorrectionsdebtinstruments', window );">Of Which Value Corrections Debt Instruments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (162,000,000)<span></span>
</td>
<td class="num">&#8364; (110,000,000)<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)</font>
          <font style="font-family:Arial;font-size:6pt;">The variation corresponds mainly to the increase in financial assets issued by governments in BBVA, S.A</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtinstrumentsatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt instruments at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income].</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtinstrumentsatfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Equityinstrumentsatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income].</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Equityinstrumentsatfairvaluethroughothercomprehensiveincome</td>
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<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancesatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances clasified as financial assets at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancesatfairvaluethroughothercomprehensiveincome</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Ofwhichvaluecorrectionsdebtinstruments</td>
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<td><strong> Balance Type:</strong></td>
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<td>instant</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial assets at fair value through other comprehensive income. [Refer: At fair value [member]; Financial assets; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph h<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_h&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncome</td>
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<td>debit</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeAbstract</td>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>138
<FILENAME>R121.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664166257000">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 12 - Financial assets at fair value through other comprehensive income equity instruments (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_NationalcompanysharesMember', window );">National Company Shares [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">&#8364; 2,182,000,000<span></span>
</td>
<td class="nump">&#8364; 2,181,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">1,141,000,000<span></span>
</td>
<td class="nump">1,674,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesMember', window );">Foreign Company Shares [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">140,000,000<span></span>
</td>
<td class="nump">136,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">199,000,000<span></span>
</td>
<td class="nump">213,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesMember', window );">Foreign Company Shares [Member] | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">31,000,000<span></span>
</td>
<td class="nump">30,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">79,000,000<span></span>
</td>
<td class="nump">78,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesMember', window );">Foreign Company Shares [Member] | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">29,000,000<span></span>
</td>
<td class="nump">34,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesMember', window );">Foreign Company Shares [Member] | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">3,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">6,000,000<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesMember', window );">Foreign Company Shares [Member] | Other countries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">106,000,000<span></span>
</td>
<td class="nump">102,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">85,000,000<span></span>
</td>
<td class="nump">96,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_SubtotallistedequityMember', window );">Subtotal Listed Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">2,322,000,000<span></span>
</td>
<td class="nump">2,317,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">1,340,000,000<span></span>
</td>
<td class="nump">1,886,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_NationalcompanysharesunlistedMember', window );">National Company Shares Unlisted [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesunlistedMember', window );">Foreign Company Shares Unlisted [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">376,000,000<span></span>
</td>
<td class="nump">450,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">444,000,000<span></span>
</td>
<td class="nump">528,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesunlistedMember', window );">Foreign Company Shares Unlisted [Member] | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">318,000,000<span></span>
</td>
<td class="nump">387,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">351,000,000<span></span>
</td>
<td class="nump">419,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesunlistedMember', window );">Foreign Company Shares Unlisted [Member] | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesunlistedMember', window );">Foreign Company Shares Unlisted [Member] | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">6,000,000<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">9,000,000<span></span>
</td>
<td class="nump">9,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesunlistedMember', window );">Foreign Company Shares Unlisted [Member] | Other countries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">52,000,000<span></span>
</td>
<td class="nump">57,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">83,000,000<span></span>
</td>
<td class="nump">99,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_SubtotalunlistedequityMember', window );">Subtotal Unlisted Equity [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">381,000,000<span></span>
</td>
<td class="nump">454,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">449,000,000<span></span>
</td>
<td class="nump">533,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TypeofequityinstrumentaxisAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems', window );"><strong>Available for sale financial assets equity instruments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1', window );">Amortized cost equity instruments available for sale financial assets</a></td>
<td class="nump">2,703,000,000<span></span>
</td>
<td class="nump">2,772,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalequityinstrumentsavailableforsale', window );">Fair Value Equity instruments, available-for-sale</a></td>
<td class="nump">&#8364; 1,789,000,000<span></span>
</td>
<td class="nump">&#8364; 2,420,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt securities available for sale held by the Entity, valued at amortized cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Amortizedcostequityinstrumentsavailableforsalefinancialassets1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomeequityinstrumentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Subtotalequityinstrumentsavailableforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of equity instruments held, categorize as available for sale, net carrying value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Subtotalequityinstrumentsavailableforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofequityinstrumentaxisAxis=bbva_NationalcompanysharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofequityinstrumentaxisAxis=bbva_NationalcompanysharesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyequityinstrumentsAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyequityinstrumentsAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyequityinstrumentsAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyequityinstrumentsAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyequityinstrumentsAxis=country_TK">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyequityinstrumentsAxis=country_TK</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyequityinstrumentsAxis=bbva_OtherCountriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyequityinstrumentsAxis=bbva_OtherCountriesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofequityinstrumentaxisAxis=bbva_SubtotallistedequityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofequityinstrumentaxisAxis=bbva_SubtotallistedequityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofequityinstrumentaxisAxis=bbva_NationalcompanysharesunlistedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofequityinstrumentaxisAxis=bbva_NationalcompanysharesunlistedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesunlistedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofequityinstrumentaxisAxis=bbva_ForeigncompanysharesunlistedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofequityinstrumentaxisAxis=bbva_SubtotalunlistedequityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofequityinstrumentaxisAxis=bbva_SubtotalunlistedequityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofequityinstrumentaxisAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofequityinstrumentaxisAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>139
<FILENAME>R122.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175976696">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 12 - Financial assets at fair value through other comprehensive income debt securities (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | States And Political Subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">&#8364; 28,151,000,000<span></span>
</td>
<td class="nump">&#8364; 20,740,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">28,913,000,000<span></span>
</td>
<td class="nump">21,550,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">1,050,000,000<span></span>
</td>
<td class="nump">959,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">1,110,000,000<span></span>
</td>
<td class="nump">1,024,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Other Issuers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">899,000,000<span></span>
</td>
<td class="nump">907,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">936,000,000<span></span>
</td>
<td class="nump">947,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_TotaldomesticMember', window );">Total domestic [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">30,100,000,000<span></span>
</td>
<td class="nump">22,607,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">30,959,000,000<span></span>
</td>
<td class="nump">23,521,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_MX', window );">Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">7,224,000,000<span></span>
</td>
<td class="nump">7,790,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">7,375,000,000<span></span>
</td>
<td class="nump">7,786,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_MX', window );">Mexico [Member] | States And Political Subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">6,359,000,000<span></span>
</td>
<td class="nump">6,869,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">6,527,000,000<span></span>
</td>
<td class="nump">6,868,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_MX', window );">Mexico [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_MX', window );">Mexico [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">62,000,000<span></span>
</td>
<td class="nump">77,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">63,000,000<span></span>
</td>
<td class="nump">78,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_MX', window );">Mexico [Member] | Other Issuers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">803,000,000<span></span>
</td>
<td class="nump">843,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">786,000,000<span></span>
</td>
<td class="nump">840,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_US', window );">United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">10,267,000,000<span></span>
</td>
<td class="nump">11,376,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">10,421,000,000<span></span>
</td>
<td class="nump">11,393,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_US', window );">United States [Member] | General Government [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">6,572,000,000<span></span>
</td>
<td class="nump">8,570,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">6,698,000,000<span></span>
</td>
<td class="nump">8,599,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_US', window );">United States [Member] | Total State Debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">4,049,000,000<span></span>
</td>
<td class="nump">5,595,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">4,113,000,000<span></span>
</td>
<td class="nump">5,624,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_US', window );">United States [Member] | States And Political Subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">2,523,000,000<span></span>
</td>
<td class="nump">2,975,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">2,585,000,000<span></span>
</td>
<td class="nump">2,975,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_US', window );">United States [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_US', window );">United States [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">157,000,000<span></span>
</td>
<td class="nump">122,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">158,000,000<span></span>
</td>
<td class="nump">124,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_US', window );">United States [Member] | Other Issuers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">3,538,000,000<span></span>
</td>
<td class="nump">2,684,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">3,565,000,000<span></span>
</td>
<td class="nump">2,670,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_TK', window );">Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">3,801,000,000<span></span>
</td>
<td class="nump">3,752,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">3,840,000,000<span></span>
</td>
<td class="nump">3,713,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_TK', window );">Turkey [Member] | States And Political Subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,752,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,713,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_TK', window );">Turkey [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_TK', window );">Turkey [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=country_TK', window );">Turkey [Member] | Other Issuers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_OtherCountriesMember', window );">Other countries [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">15,143,000,000<span></span>
</td>
<td class="nump">11,870,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">15,628,000,000<span></span>
</td>
<td class="nump">12,318,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_OtherCountriesMember', window );">Other countries [Member] | States And Political Subdivisions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">7,519,000,000<span></span>
</td>
<td class="nump">6,963,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">7,861,000,000<span></span>
</td>
<td class="nump">7,269,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_OtherCountriesMember', window );">Other countries [Member] | Central Banks [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">1,481,000,000<span></span>
</td>
<td class="nump">1,005,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">1,484,000,000<span></span>
</td>
<td class="nump">1,010,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_OtherCountriesMember', window );">Other countries [Member] | Credit Institutions [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">2,425,000,000<span></span>
</td>
<td class="nump">1,795,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">2,517,000,000<span></span>
</td>
<td class="nump">1,892,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_OtherCountriesMember', window );">Other countries [Member] | Other Issuers [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">3,717,000,000<span></span>
</td>
<td class="nump">2,106,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">3,766,000,000<span></span>
</td>
<td class="nump">2,147,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_TotalforeignMember', window );">Total foreign [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">36,436,000,000<span></span>
</td>
<td class="nump">34,788,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">37,264,000,000<span></span>
</td>
<td class="nump">35,210,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GeographyavailablelforsaleAxis=bbva_TotaldomesticforeignMember', window );">Total Domestic Foreign [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems', window );"><strong>Available for sale financial assets debt securities [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets', window );">Amortized cost debt securities available for sale financial assets</a></td>
<td class="nump">66,536,000,000<span></span>
</td>
<td class="nump">57,395,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets', window );">Fair Value Debt Securities Available For Sale Financial Assets</a></td>
<td class="nump">&#8364; 68,223,000,000<span></span>
</td>
<td class="nump">&#8364; 58,731,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt securities available for sale held by the Entity, valued at amortized cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Amortizedcostdebtsecuritiesavailableforsalefinancialassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fairvaluedebtsecuritiesavailableforsalefinancialassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyavailablelforsaleAxis=bbva_IssuedinEurosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyavailablelforsaleAxis=bbva_IssuedinEurosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CounterpartiesavaialbleforsaleAxis=bbva_StatesandpoliticalsubdivisionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CounterpartiesavaialbleforsaleAxis=bbva_StatesandpoliticalsubdivisionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CounterpartiesavaialbleforsaleAxis=bbva_CentralbanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CounterpartiesavaialbleforsaleAxis=bbva_CentralbanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CounterpartiesavaialbleforsaleAxis=bbva_CreditinstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CounterpartiesavaialbleforsaleAxis=bbva_CreditinstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CounterpartiesavaialbleforsaleAxis=bbva_OtherissuersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CounterpartiesavaialbleforsaleAxis=bbva_OtherissuersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyavailablelforsaleAxis=bbva_TotaldomesticMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyavailablelforsaleAxis=bbva_TotaldomesticMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyavailablelforsaleAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyavailablelforsaleAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyavailablelforsaleAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyavailablelforsaleAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CounterpartiesavaialbleforsaleAxis=bbva_GeneralgovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CounterpartiesavaialbleforsaleAxis=bbva_GeneralgovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CounterpartiesavaialbleforsaleAxis=bbva_TotalstatedebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CounterpartiesavaialbleforsaleAxis=bbva_TotalstatedebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyavailablelforsaleAxis=country_TK">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyavailablelforsaleAxis=country_TK</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyavailablelforsaleAxis=bbva_OtherCountriesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyavailablelforsaleAxis=bbva_OtherCountriesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyavailablelforsaleAxis=bbva_TotalforeignMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyavailablelforsaleAxis=bbva_TotalforeignMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographyavailablelforsaleAxis=bbva_TotaldomesticforeignMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographyavailablelforsaleAxis=bbva_TotaldomesticforeignMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>140
<FILENAME>R123.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197344712">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 12 - Financial assets at fair value through other comprehensive income debt securities by rating (Details)<br></strong></div></th>
<th class="th">
<div>Jun. 30, 2020 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_Aaa1Member', window );">AAA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 9,806,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">14.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_Aa1Member', window );">AA + [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 834,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">1.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_AA2Member', window );">AA [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 300,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">0.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_AA3Member', window );">AA - [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 626,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">0.90%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_AMember', window );">A+ [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 3,796,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">5.60%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_A1Member', window );">A [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 2,180,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">3.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_A2Member', window );">A - [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 31,076,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">45.60%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_Bbb4Member', window );">BBB + [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 7,442,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">10.90%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_Bbb5Member', window );">BBB [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 3,137,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">4.60%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_Bbb3Member', window );">BBB - [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 3,691,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">5.40%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_BbMember', window );">Bb [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 4,925,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">7.20%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_WithoutratingMember', window );">Without Rating [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 412,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">0.60%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LevelratingaxisAxis=bbva_TotalexposuresMember', window );">Total Exposures [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems', window );"><strong>Available for sale financial assets debt securities by rating [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotaldebtinstrumentsavailableforsale', window );">Subtotal Debt securities, available-for-sale</a></td>
<td class="nump">&#8364; 68,223,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating', window );">Percentage available for sale financial assets debt securities</a></td>
<td class="nump">100.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsatfairvaluethroughothercomprehensiveincomedebtsecuritiesbyratingLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The percentage of amount of debt secuirities classified as held for sale, distributed by rating</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Percentageavailableforsalefinancialassetsdebtsecuritiesbyrating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Subtotaldebtinstrumentsavailableforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt instruments held, categorize as available for sale, gross value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Subtotaldebtinstrumentsavailableforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_Aaa1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_Aaa1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_Aa1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_Aa1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_AA2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_AA2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_AA3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_AA3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_AMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_AMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_A1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_A1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_A2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_A2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_Bbb4Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_Bbb4Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_Bbb5Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_Bbb5Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_Bbb3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_Bbb3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_BbMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_BbMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_WithoutratingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_WithoutratingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LevelratingaxisAxis=bbva_TotalexposuresMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LevelratingaxisAxis=bbva_TotalexposuresMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>141
<FILENAME>R124.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175815288">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 12 - Financial assets at fair value through other comprehensive income - Accumulated other comprehensive income items that may be reclassified to profit or loss available for sale financial assets (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis=ifrs-full_DebtSecuritiesMember', window );">Debt Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeLineItems', window );"><strong>Financial assets at fair value throught other comprehensive income Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalfinancialassetsatthebeginning', window );">Total Financial Assets At The Beginning</a></td>
<td class="nump">&#8364; 1,760,000,000<span></span>
</td>
<td class="nump">&#8364; 943,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuationgainsandlosses', window );">Valuation gains and losses</a></td>
<td class="nump">137,000,000<span></span>
</td>
<td class="nump">1,267,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amountstransferredtoincome', window );">Amounts transferred to income</a></td>
<td class="num">(71,000,000)<span></span>
</td>
<td class="num">(119,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Incometaxfinancialassetsatfairvalue', window );">Income tax financial assets at fair value</a></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="num">(331,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalfinancialassetsattheend', window );">Total Financial Assets At The End</a></td>
<td class="nump">1,830,000,000<span></span>
</td>
<td class="nump">1,760,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis=bbva_EquityinstrumentsMember', window );">Equity instruments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeLineItems', window );"><strong>Financial assets at fair value throught other comprehensive income Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalfinancialassetsatthebeginning', window );">Total Financial Assets At The Beginning</a></td>
<td class="num">(403,000,000)<span></span>
</td>
<td class="num">(155,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Valuationgainsandlosses', window );">Valuation gains and losses</a></td>
<td class="num">(562,000,000)<span></span>
</td>
<td class="num">(238,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherreclassificationsfinancialassetsatfairvalue', window );">Amounts transferred to reserves</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Incometaxfinancialassetsatfairvalue', window );">Income tax financial assets at fair value</a></td>
<td class="nump">25,000,000<span></span>
</td>
<td class="num">(10,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalfinancialassetsattheend', window );">Total Financial Assets At The End</a></td>
<td class="num">&#8364; (940,000,000)<span></span>
</td>
<td class="num">&#8364; (403,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Amountstransferredtoincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount transferred to income associated to debt securities available for sale held by the Entity that has been transferred to profit and loss during the exercise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Amountstransferredtoincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Incometaxfinancialassetsatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Incometaxfinancialassetsatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherreclassificationsfinancialassetsatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Other reclassifications financial assets at fair value associated to debt securities available for sale held by the Entity that has been reclassified due to ther reasong during the exercise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherreclassificationsfinancialassetsatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalfinancialassetsatthebeginning">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalfinancialassetsatthebeginning</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalfinancialassetsattheend">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalfinancialassetsattheend</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Valuationgainsandlosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Valuation gains and losses of other comprehensive income associated to debt securities available for sale held by the Entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Valuationgainsandlosses</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis=ifrs-full_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialassetsatfairvaluethroughtothercomprehensiveincomeAxis=bbva_EquityinstrumentsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169552968">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 13 - Financial assets at amortised cost - Financial assets at amortised cost (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems', window );"><strong>Disclosure Of Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Debtsecuritiesloansandadvances', window );">Debt Securities Financial Assets at Amortized Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 43,396,000,000<span></span>
</td>
<td class="nump">&#8364; 38,877,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansandadvancestocentralbanks', window );">Loans and advances to central banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,773,000,000<span></span>
</td>
<td class="nump">4,275,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToBanks', window );">Loans and advances to banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,842,000,000<span></span>
</td>
<td class="nump">13,649,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and Advances to customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">387,212,000,000<span></span>
</td>
<td class="nump">382,360,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalfinancialassetsatamortisedcost', window );">Total Financial Assets At Amortised Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">450,222,000,000<span></span>
</td>
<td class="nump">439,162,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=ifrs-full_GovernmentMember', window );">Government [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems', window );"><strong>Disclosure Of Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and Advances to customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,259,000,000<span></span>
</td>
<td class="nump">28,222,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_FinancialsocietiesMember', window );">Financial societies [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems', window );"><strong>Disclosure Of Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and Advances to customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">13,535,000,000<span></span>
</td>
<td class="nump">11,207,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_NonfinancialsocietiesMember', window );">Non financial societies [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems', window );"><strong>Disclosure Of Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and Advances to customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">178,598,000,000<span></span>
</td>
<td class="nump">166,789,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_RestofclientsMember', window );">Rest of clients [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems', window );"><strong>Disclosure Of Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and Advances to customers</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">167,820,000,000<span></span>
</td>
<td class="nump">176,142,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfwhichimpairedloansandadvancestocustomersMember', window );">Of which impaired loans and advances to customers [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems', window );"><strong>Disclosure Of Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalfinancialassetsatamortisedcost', window );">Total Financial Assets At Amortised Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">15,637,000,000<span></span>
</td>
<td class="nump">15,954,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfWhichLoansAndAdvancesValueCorrectionsMember', window );">Of Which Loans And Advances Value Corrections [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems', window );"><strong>Disclosure Of Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalfinancialassetsatamortisedcost', window );">Total Financial Assets At Amortised Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="num">(13,588,000,000)<span></span>
</td>
<td class="num">(12,427,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfwhichdebtsecuritiesvaluecorrectionsMember', window );">Of which debt securities value corrections [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems', window );"><strong>Disclosure Of Financial Assets At Amortised Cost Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalfinancialassetsatamortisedcost', window );">Total Financial Assets At Amortised Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (77,000,000)<span></span>
</td>
<td class="num">&#8364; (52,000,000)<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) See Note 6.2.</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Debtsecuritiesloansandadvances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of debt securities held by the entity, recognized financial assets at amortized cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Debtsecuritiesloansandadvances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureoffinancialassetsatamortisedcostLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureoffinancialassetsatamortisedcostLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansandadvancestocentralbanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans outstanding with Central Banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansandadvancestocentralbanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalfinancialassetsatamortisedcost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Total Financial Assets At Amortised Cost</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalfinancialassetsatamortisedcost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to customers.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=ifrs-full_GovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=ifrs-full_GovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_FinancialsocietiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_FinancialsocietiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_NonfinancialsocietiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_NonfinancialsocietiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_RestofclientsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_RestofclientsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfwhichimpairedloansandadvancestocustomersMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfwhichimpairedloansandadvancestocustomersMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfWhichLoansAndAdvancesValueCorrectionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfWhichLoansAndAdvancesValueCorrectionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfwhichdebtsecuritiesvaluecorrectionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureoffinancialassetsatamortisedcostaxisAxis=bbva_OfwhichdebtsecuritiesvaluecorrectionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169095784">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 13 - Financial assets at amortised cost- Loans and advances to customers (Details) - Customers [Member] - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember', window );">On demand [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandreceivablestocustomersLineItems', window );"><strong>Disclosure Of Loans And Receivables To Customers Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndReceivables', window );">Loans And Receivables</a></td>
<td class="nump">&#8364; 2,844,000,000<span></span>
</td>
<td class="nump">&#8364; 3,050,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember', window );">Credit Card Debt [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandreceivablestocustomersLineItems', window );"><strong>Disclosure Of Loans And Receivables To Customers Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndReceivables', window );">Loans And Receivables</a></td>
<td class="nump">13,283,000,000<span></span>
</td>
<td class="nump">16,354,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember', window );">Trade Receivables [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandreceivablestocustomersLineItems', window );"><strong>Disclosure Of Loans And Receivables To Customers Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndReceivables', window );">Loans And Receivables</a></td>
<td class="nump">14,142,000,000<span></span>
</td>
<td class="nump">17,276,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember', window );">FinancialLeaseMember [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandreceivablestocustomersLineItems', window );"><strong>Disclosure Of Loans And Receivables To Customers Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndReceivables', window );">Loans And Receivables</a></td>
<td class="nump">8,113,000,000<span></span>
</td>
<td class="nump">8,711,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember', window );">Repurchase Agreements [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandreceivablestocustomersLineItems', window );"><strong>Disclosure Of Loans And Receivables To Customers Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndReceivables', window );">Loans And Receivables</a></td>
<td class="nump">947,000,000<span></span>
</td>
<td class="nump">26,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember', window );">Other Term Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandreceivablestocustomersLineItems', window );"><strong>Disclosure Of Loans And Receivables To Customers Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndReceivables', window );">Loans And Receivables</a></td>
<td class="nump">342,180,000,000<span></span>
</td>
<td class="nump">332,160,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember', window );">Advances That Are Not Loans [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandreceivablestocustomersLineItems', window );"><strong>Disclosure Of Loans And Receivables To Customers Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndReceivables', window );">Loans And Receivables</a></td>
<td class="nump">5,704,000,000<span></span>
</td>
<td class="nump">4,784,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofloansandreceivablestocustomersLineItems', window );"><strong>Disclosure Of Loans And Receivables To Customers Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndReceivables', window );">Loans And Receivables</a></td>
<td class="nump">&#8364; 387,212,000,000<span></span>
</td>
<td class="nump">&#8364; 382,360,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DisclosureofloansandreceivablestocustomersLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureofloansandreceivablestocustomersLineItems</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of non-derivative financial assets with fixed or determinable payments that are not quoted in an active market, other than: (a) those that the entity intends to sell immediately or in the near term, which shall be classified as held for trading, and those that the entity, upon initial recognition, designates as at fair value through profit or loss; (b) those that the entity, upon initial recognition, designates as available for sale; or (c) those for which the holder may not recover substantially all of its initial investment, other than because of credit deterioration, which shall be classified as available for sale. An interest acquired in a pool of assets that are not loans or receivables (for example, an interest in a mutual fund or a similar fund) is not a loan or receivable. [Refer: Derivative financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_8_c&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndReceivables</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CounterpartiesloanstocustomersaxisAxis=bbva_CustomersMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypesofloansandreceivablesaxisAxis=ifrs-full_OnDemandMember</td>
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<td><strong> Data Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypesofloansandreceivablesaxisAxis=bbva_CreditcarddebtMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypesofloansandreceivablesaxisAxis=ifrs-full_TradeReceivablesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypesofloansandreceivablesaxisAxis=bbva_FinancialleaseMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypesofloansandreceivablesaxisAxis=bbva_RepurchaseagreementsMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypesofloansandreceivablesaxisAxis=bbva_OthertermloansMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypesofloansandreceivablesaxisAxis=bbva_AdvancesthatarenotloansMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypesofloansandreceivablesaxisAxis=bbva_TotalMember</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169591672">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 14 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk - Derivatives Hedging Accounting (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialAssetsHeldForHedging', window );">HEDGING DERIVATIVES, ASSETS</a></td>
<td class="nump">&#8364; 2,531,000,000<span></span>
</td>
<td class="nump">&#8364; 1,729,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets', window );">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, ASSETS</a></td>
<td class="nump">60,000,000<span></span>
</td>
<td class="nump">28,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging', window );">HEDGING DERIVATIVES, LIABILITIES</a></td>
<td class="nump">2,368,000,000<span></span>
</td>
<td class="nump">2,233,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities', window );">FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, LIABILITIES</a></td>
<td class="nump">&#8364; 0<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as an asset. [Refer: Hedged items [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountAssets</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The accumulated amount of fair value hedge adjustment on a hedged item that is included in the carrying amount of the hedged item, recognised in the statement of financial position as a liability. [Refer: Hedged items [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 24B<br> -Subparagraph a<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_24B_a_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedFairValueHedgeAdjustmentOnHedgedItemIncludedInCarryingAmountLiabilities</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial assets held for hedging. [Refer: Derivative financial assets]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialAssetsHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of derivative financial liabilities held for hedging. [Refer: Derivative financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DerivativeFinancialLiabilitiesHeldForHedging</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<DOCUMENT>
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<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664238982168">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 15 - Investments in subsidiaries, joint ventures and associates - Associates Entities and joint ventures - Breakdown by entities (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_InvestmentsinsubsidiariesjointventuresandassociatesLineItems', window );"><strong>Investments In Subsidiaries Joint Ventures And Associates Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentsInJointVentures', window );">Joint ventures</a></td>
<td class="nump">&#8364; 150,000,000<span></span>
</td>
<td class="nump">&#8364; 154,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentsInAssociates', window );">Associates</a></td>
<td class="nump">1,216,000,000<span></span>
</td>
<td class="nump">1,334,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates', window );">INVESTMENTS IN SUBSIDIARIES JOINT VENTURES AND ASSOCIATES</a></td>
<td class="nump">&#8364; 1,366,000,000<span></span>
</td>
<td class="nump">&#8364; 1,488,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InvestmentsinsubsidiariesjointventuresandassociatesLineItems">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InvestmentsinsubsidiariesjointventuresandassociatesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in associates in an entity's separate financial statements. [Refer: Associates [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInJointVentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in joint ventures in an entity's separate financial statements. [Refer: Joint ventures [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInJointVentures</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of investments in subsidiaries, joint ventures and associates in an entity's separate financial statements. [Refer: Associates [member]; Joint ventures [member]; Subsidiaries [member]; Investments in subsidiaries]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 27<br> -IssueDate 2019-01-01<br> -Paragraph 10<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=27&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_10&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InvestmentsInSubsidiariesJointVenturesAndAssociates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>146
<FILENAME>R129.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664168957032">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 16 - Tangible assets (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">&#8364; 8,796,000,000<span></span>
</td>
<td class="nump">&#8364; 9,816,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Realstateinvestments', window );">Real State Investments</a></td>
<td class="nump">261,000,000<span></span>
</td>
<td class="nump">252,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fullyamortizedtangibleassets', window );">Fully amortized tangible assets in use</a></td>
<td class="nump">9,057,000,000<span></span>
</td>
<td class="nump">10,068,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_ForownuseTangibleAssetsMember', window );">For Own Use Tangible Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">8,578,000,000<span></span>
</td>
<td class="nump">9,554,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=ifrs-full_LandAndBuildingsMember', window );">Land And Buildings [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">5,584,000,000<span></span>
</td>
<td class="nump">6,001,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_WorkinprogressMember', window );">Work In Progress Member [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">63,000,000<span></span>
</td>
<td class="nump">56,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_FurniturefixturesandvehiclesMember', window );">Furniture Fixtures And Vehicles [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">5,954,000,000<span></span>
</td>
<td class="nump">6,351,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_UserightsMember', window );">Use Rights [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">3,382,000,000<span></span>
</td>
<td class="nump">3,516,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Realstateinvestments', window );">Real State Investments</a></td>
<td class="nump">83,000,000<span></span>
</td>
<td class="nump">101,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_AccumulateddepreciationMember', window );">Accumulated Depreciation [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="num">(5,957,000,000)<span></span>
</td>
<td class="num">(5,969,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Realstateinvestments', window );">Real State Investments</a></td>
<td class="num">(16,000,000)<span></span>
</td>
<td class="num">(24,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_ImpairmentMember', window );">Impairment [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="num">(447,000,000)<span></span>
</td>
<td class="num">(402,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Realstateinvestments', window );">Real State Investments</a></td>
<td class="num">(38,000,000)<span></span>
</td>
<td class="num">(39,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_TangibleassetsleasedoutunderanoperatingleasememberMember', window );">Tangible Assets Leased out under an operating lease Member [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">217,000,000<span></span>
</td>
<td class="nump">263,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_AssestsleasedoutunderanoperatingleaseMember', window );">Assests Leased Out Under An Operating Lease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">280,000,000<span></span>
</td>
<td class="nump">337,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_AccumulateddepreciationleasedassetsMember', window );">Accumulated Depreciation Leased Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="num">(62,000,000)<span></span>
</td>
<td class="num">(74,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_ImpairmentleasedassetsMember', window );">Impairment Leased Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Materialtangibleassets', window );">Material Tangible Assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=ifrs-full_InvestmentPropertyMember', window );">Investment Property Leased Out [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Realstateinvestments', window );">Real State Investments</a></td>
<td class="nump">228,000,000<span></span>
</td>
<td class="nump">211,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_OtherMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Breakdownbytypologylineitems', window );"><strong>Breakdown By Typology LineItems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Realstateinvestments', window );">Real State Investments</a></td>
<td class="nump">&#8364; 3,000,000<span></span>
</td>
<td class="nump">&#8364; 4,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Breakdownbytypologylineitems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Breakdownbytypologylineitems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fullyamortizedtangibleassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fullyamortizedtangibleassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Materialtangibleassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Materialtangibleassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Realstateinvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Realstateinvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_ForownuseTangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_ForownuseTangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=ifrs-full_LandAndBuildingsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=ifrs-full_LandAndBuildingsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_WorkinprogressMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_WorkinprogressMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_FurniturefixturesandvehiclesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_FurniturefixturesandvehiclesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_UserightsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_UserightsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_AccumulateddepreciationMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_AccumulateddepreciationMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_ImpairmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_ImpairmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_TangibleassetsleasedoutunderanoperatingleasememberMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_TangibleassetsleasedoutunderanoperatingleasememberMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_AssestsleasedoutunderanoperatingleaseMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_AccumulateddepreciationleasedassetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_AccumulateddepreciationleasedassetsMember</td>
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<td>na</td>
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<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=bbva_ImpairmentleasedassetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_ImpairmentleasedassetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ClassesoftangibleassetsaxisAxis=ifrs-full_InvestmentPropertyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=ifrs-full_InvestmentPropertyMember</td>
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<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<td style="white-space:nowrap;">bbva_ClassesoftangibleassetsaxisAxis=bbva_OtherMember</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664167110472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 17 - Intangible assets - Goodwill - Breakdown by CGU and Changes of the year - Reconciliation Of Changes In Goodwill (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2019</div></th>
<th class="th"><div>Dec. 31, 2018</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis=country_US', window );">United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Reconciliation Of Changes In Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillatthebegginingoftheperiod', window );">Goodwill At The Beggining Of The Period</a></td>
<td class="nump">&#8364; 3,846,000,000<span></span>
</td>
<td class="nump">&#8364; 5,066,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract', window );"><strong>Intangible Assets and Goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill', window );">Increase Decrease Through Transfers And Other Changes Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase Decrease Through Net Exchange Differences Goodwill</a></td>
<td class="nump">58,000,000<span></span>
</td>
<td class="nump">98,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment Loss Recognised In Profit Or Loss Goodwill</a></td>
<td class="num">(2,084,000,000)<span></span>
</td>
<td class="num">(1,318,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additional Recognition Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillattheendoftheperiod', window );">Goodwill At The End Of The Period</a></td>
<td class="nump">1,820,000,000<span></span>
</td>
<td class="nump">3,846,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis=country_TK', window );">Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Reconciliation Of Changes In Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillatthebegginingoftheperiod', window );">Goodwill At The Beggining Of The Period</a></td>
<td class="nump">346,000,000<span></span>
</td>
<td class="nump">382,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract', window );"><strong>Intangible Assets and Goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill', window );">Increase Decrease Through Transfers And Other Changes Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase Decrease Through Net Exchange Differences Goodwill</a></td>
<td class="num">(45,000,000)<span></span>
</td>
<td class="num">(36,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment Loss Recognised In Profit Or Loss Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additional Recognition Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillattheendoftheperiod', window );">Goodwill At The End Of The Period</a></td>
<td class="nump">301,000,000<span></span>
</td>
<td class="nump">346,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis=country_MX', window );">Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Reconciliation Of Changes In Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillatthebegginingoftheperiod', window );">Goodwill At The Beggining Of The Period</a></td>
<td class="nump">550,000,000<span></span>
</td>
<td class="nump">519,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract', window );"><strong>Intangible Assets and Goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill', window );">Increase Decrease Through Transfers And Other Changes Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase Decrease Through Net Exchange Differences Goodwill</a></td>
<td class="num">(100,000,000)<span></span>
</td>
<td class="nump">31,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment Loss Recognised In Profit Or Loss Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additional Recognition Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillattheendoftheperiod', window );">Goodwill At The End Of The Period</a></td>
<td class="nump">450,000,000<span></span>
</td>
<td class="nump">550,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis=country_CO', window );">Colombia [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Reconciliation Of Changes In Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillatthebegginingoftheperiod', window );">Goodwill At The Beggining Of The Period</a></td>
<td class="nump">164,000,000<span></span>
</td>
<td class="nump">161,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract', window );"><strong>Intangible Assets and Goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill', window );">Increase Decrease Through Transfers And Other Changes Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase Decrease Through Net Exchange Differences Goodwill</a></td>
<td class="num">(21,000,000)<span></span>
</td>
<td class="nump">3,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment Loss Recognised In Profit Or Loss Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additional Recognition Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillattheendoftheperiod', window );">Goodwill At The End Of The Period</a></td>
<td class="nump">143,000,000<span></span>
</td>
<td class="nump">164,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis=bbva_ChileMember', window );">Chile [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Reconciliation Of Changes In Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillatthebegginingoftheperiod', window );">Goodwill At The Beggining Of The Period</a></td>
<td class="nump">27,000,000<span></span>
</td>
<td class="nump">29,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract', window );"><strong>Intangible Assets and Goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill', window );">Increase Decrease Through Transfers And Other Changes Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase Decrease Through Net Exchange Differences Goodwill</a></td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment Loss Recognised In Profit Or Loss Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additional Recognition Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillattheendoftheperiod', window );">Goodwill At The End Of The Period</a></td>
<td class="nump">25,000,000<span></span>
</td>
<td class="nump">27,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis=bbva_RestMember', window );">Rest [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Reconciliation Of Changes In Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillatthebegginingoftheperiod', window );">Goodwill At The Beggining Of The Period</a></td>
<td class="nump">22,000,000<span></span>
</td>
<td class="nump">23,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract', window );"><strong>Intangible Assets and Goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill', window );">Increase Decrease Through Transfers And Other Changes Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase Decrease Through Net Exchange Differences Goodwill</a></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment Loss Recognised In Profit Or Loss Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additional Recognition Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillattheendoftheperiod', window );">Goodwill At The End Of The Period</a></td>
<td class="nump">21,000,000<span></span>
</td>
<td class="nump">22,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IndividualAssetsOrCashgeneratingUnitsAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems', window );"><strong>Reconciliation Of Changes In Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillatthebegginingoftheperiod', window );">Goodwill At The Beggining Of The Period</a></td>
<td class="nump">4,955,000,000<span></span>
</td>
<td class="nump">6,180,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract', window );"><strong>Intangible Assets and Goodwill</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill', window );">Increase Decrease Through Transfers And Other Changes Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill', window );">Increase Decrease Through Net Exchange Differences Goodwill</a></td>
<td class="num">(111,000,000)<span></span>
</td>
<td class="nump">93,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill', window );">Impairment Loss Recognised In Profit Or Loss Goodwill</a></td>
<td class="num">(2,084,000,000)<span></span>
</td>
<td class="num">(1,318,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdditionalRecognitionGoodwill', window );">Additional Recognition Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Goodwillattheendoftheperiod', window );">Goodwill At The End Of The Period</a></td>
<td class="nump">&#8364; 2,760,000,000<span></span>
</td>
<td class="nump">&#8364; 4,955,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Goodwillatthebegginingoftheperiod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Goodwillatthebegginingoftheperiod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Goodwillattheendoftheperiod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Goodwillattheendoftheperiod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdditionalRecognitionGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of additional goodwill recognised, except goodwill included in a disposal group that, on acquisition, meets the criteria to be classified as held for sale in accordance with IFRS 5. [Refer: Goodwill; Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2019-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B67_d_ii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdditionalRecognitionGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReconciliationOfChangesInGoodwillLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss recognised in profit or loss for goodwill. [Refer: Impairment loss recognised in profit or loss; Goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2019-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause v<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B67_d_v&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossRecognisedInProfitOrLossGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in goodwill resulting from net exchange differences arising on the translation of the financial statements from the functional currency into a different presentation currency, including the translation of a foreign operation into the presentation currency of the reporting entity. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2019-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause vi<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B67_d_vi&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughNetExchangeDifferencesGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in goodwill resulting from changes that the entity does not separately disclose in the same statement or note. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 3<br> -IssueDate 2019-01-01<br> -Paragraph B67<br> -Subparagraph d<br> -Clause vii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=3&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B67_d_vii&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncreaseDecreaseThroughTransfersAndOtherChangesGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<html>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197959320">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Nota 17 - Intangible assets. Impairment test hypotheses CGU Goodwill in the United States and Turkey (Details)<br></strong></div></th>
<th class="th"><div>Mar. 31, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofimpairmenttesthypothesestableAxis=country_US', window );">United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofimpairmenttesthypothesesLineItems', window );"><strong>Disclosure Of Impairment Test Hypotheses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Description Of Discount Rates Applied To Cash Flow Projections</a></td>
<td class="nump">10.30%<span></span>
</td>
<td class="nump">10.00%<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Description Of Growth Rate Used To Extrapolate Cash Flow Projections</a></td>
<td class="nump">3.00%<span></span>
</td>
<td class="nump">3.50%<span></span>
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<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofimpairmenttesthypothesestableAxis=country_TK', window );">Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofimpairmenttesthypothesesLineItems', window );"><strong>Disclosure Of Impairment Test Hypotheses Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DescriptionOfDiscountRatesAppliedToCashFlowProjections', window );">Description Of Discount Rates Applied To Cash Flow Projections</a></td>
<td class="nump">18.10%<span></span>
</td>
<td class="nump">17.40%<span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DescriptionOfGrowthRateUsedToExtrapolateCashFlowProjections', window );">Description Of Growth Rate Used To Extrapolate Cash Flow Projections</a></td>
<td class="nump">7.00%<span></span>
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<td class="nump">7.00%<span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The discount rate applied to cash flow projections for a cash-generating unit (group of units). [Refer: Cash-generating units [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 134<br> -Subparagraph d<br> -Clause v<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_134_d_v&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 134<br> -Subparagraph e<br> -Clause v<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_134_e_v&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The growth rate used to extrapolate cash flow projections beyond the period covered by the most recent budgets/forecasts for a cash-generating unit (group of units). [Refer: Cash-generating units [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 134<br> -Subparagraph d<br> -Clause iv<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_134_d_iv&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 134<br> -Subparagraph e<br> -Clause iv<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_134_e_iv&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>149
<FILENAME>R132.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664167046312">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 17 -  Intangible assets Sensitivity analysis (Details)<br></strong></div></th>
<th class="th" colspan="2">
<div>Mar. 31, 2020 </div>
<div>EUR (&#8364;)</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpactsofincreasesordecreasesinpercentagetableAxis=country_US', window );">United States [Member] | Impact Of An Increase 50 Percent Basis Point [Member] | Discount Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
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<tr class="ro">
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<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit', window );">Discount rates applied to cash flow projections percentage</a></td>
<td class="num">&#8364; (755,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpactsofincreasesordecreasesinpercentagetableAxis=country_US', window );">United States [Member] | Impact Of An Increase 50 Percent Basis Point [Member] | Sustainable Growth Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofsensitivityanalysisformainassumptionsusLineItems', window );"><strong>Disclosure of sensitivity analysis for main assumptions Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit', window );">Discount rates applied to cash flow projections percentage</a></td>
<td class="nump">270,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpactsofincreasesordecreasesinpercentagetableAxis=country_US', window );">United States [Member] | Impact Of A Decrease 50 Percent Basis Point [Member] | Discount Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofsensitivityanalysisformainassumptionsusLineItems', window );"><strong>Disclosure of sensitivity analysis for main assumptions Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit', window );">Discount rates applied to cash flow projections percentage</a></td>
<td class="nump">869,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpactsofincreasesordecreasesinpercentagetableAxis=country_US', window );">United States [Member] | Impact Of A Decrease 50 Percent Basis Point [Member] | Sustainable Growth Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofsensitivityanalysisformainassumptionsusLineItems', window );"><strong>Disclosure of sensitivity analysis for main assumptions Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit', window );">Discount rates applied to cash flow projections percentage</a></td>
<td class="num">(235,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpactsofincreasesordecreasesinpercentagetableAxis=country_TK', window );">Turkey [Member] | Impact Of An Increase 50 Percent Basis Point [Member] | Discount Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofsensitivityanalysisformainassumptionsusLineItems', window );"><strong>Disclosure of sensitivity analysis for main assumptions Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit', window );">Discount rates applied to cash flow projections percentage</a></td>
<td class="num">(166,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpactsofincreasesordecreasesinpercentagetableAxis=country_TK', window );">Turkey [Member] | Impact Of An Increase 50 Percent Basis Point [Member] | Sustainable Growth Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofsensitivityanalysisformainassumptionsusLineItems', window );"><strong>Disclosure of sensitivity analysis for main assumptions Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit', window );">Discount rates applied to cash flow projections percentage</a></td>
<td class="nump">23,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpactsofincreasesordecreasesinpercentagetableAxis=country_TK', window );">Turkey [Member] | Impact Of A Decrease 50 Percent Basis Point [Member] | Discount Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofsensitivityanalysisformainassumptionsusLineItems', window );"><strong>Disclosure of sensitivity analysis for main assumptions Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit', window );">Discount rates applied to cash flow projections percentage</a></td>
<td class="nump">183,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ImpactsofincreasesordecreasesinpercentagetableAxis=country_TK', window );">Turkey [Member] | Impact Of A Decrease 50 Percent Basis Point [Member] | Sustainable Growth Rate [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureofsensitivityanalysisformainassumptionsusLineItems', window );"><strong>Disclosure of sensitivity analysis for main assumptions Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit', window );">Discount rates applied to cash flow projections percentage</a></td>
<td class="num">&#8364; (21,000,000)<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   Based on historical changes, the use of 50 basis points to calculate the</font>
          <font style="font-family:Arial;font-size:6pt;"> sensitivity analysis would be a reasonable variation with respect to the observed variations over the last five years</font>
          <font style="font-family:Arial;font-size:8pt;">.</font>
        </p>
      </div></td>
</tr></table></td></tr>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureofsensitivityanalysisformainassumptionsusLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The higher of an asset&#8217;s (or cash-generating unit&#8217;s) fair value less costs of disposal and its value in use. [Refer: Cash-generating units [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 130<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_130_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RecoverableAmountOfAssetOrCashgeneratingUnit</td>
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<td>ifrs-full_</td>
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<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InputforsensitivityanalysisaxisAxis=bbva_DiscountrateMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InputforsensitivityanalysisaxisAxis=bbva_SustainablegrowthrateMember</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664166297144">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 17 - Intangible assets. Other intangible assets (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IntangibleassetsotherthangoodwillLineItems', window );"><strong>Intangible Assets Other Than Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Other intangible assets</a></td>
<td class="nump">&#8364; 1,863,000,000<span></span>
</td>
<td class="nump">&#8364; 2,010,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_ComputersoftwareacquisitonexpensesMember', window );">Computer Software Acquisiton Expenses [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IntangibleassetsotherthangoodwillLineItems', window );"><strong>Intangible Assets Other Than Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Other intangible assets</a></td>
<td class="nump">1,532,000,000<span></span>
</td>
<td class="nump">1,598,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember', window );">Intangible Assets With Indefinite Useful Life Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IntangibleassetsotherthangoodwillLineItems', window );"><strong>Intangible Assets Other Than Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Other intangible assets</a></td>
<td class="nump">10,000,000<span></span>
</td>
<td class="nump">11,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_IntangibleassetswithdefiniteusefullifeMember', window );">Intangible Assets With definite Useful Life [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IntangibleassetsotherthangoodwillLineItems', window );"><strong>Intangible Assets Other Than Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Other intangible assets</a></td>
<td class="nump">320,000,000<span></span>
</td>
<td class="nump">401,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_IntangibleassetsotherthangoodwillLineItems', window );"><strong>Intangible Assets Other Than Goodwill Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IntangibleAssetsOtherThanGoodwill', window );">Other intangible assets</a></td>
<td class="nump">&#8364; 1,863,000,000<span></span>
</td>
<td class="nump">&#8364; 2,010,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_IntangibleassetsotherthangoodwillLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_IntangibleassetsotherthangoodwillLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IntangibleAssetsOtherThanGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of identifiable non-monetary assets without physical substance. This amount does not include goodwill. [Refer: Goodwill]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 38<br> -IssueDate 2019-01-01<br> -Paragraph 118<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=38&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_118_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IntangibleAssetsOtherThanGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_ComputersoftwareacquisitonexpensesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_ComputersoftwareacquisitonexpensesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=ifrs-full_IntangibleAssetsWithIndefiniteUsefulLifeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_IntangibleassetswithdefiniteusefullifeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_IntangibleassetswithdefiniteusefullifeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfIntangibleAssetsOtherThanGoodwillAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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<head>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664168951880">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 18 - Tax assets and liabilities- Tax Assets and Liabilities (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DeferredtaxassetsandliabilitiesLineItems', window );"><strong>Deferred Tax Assets And Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Taxassets', window );">Tax Assets</a></td>
<td class="nump">&#8364; 16,718,000,000<span></span>
</td>
<td class="nump">&#8364; 17,083,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CurrentTaxAssets', window );">Current tax assets</a></td>
<td class="nump">1,182,000,000<span></span>
</td>
<td class="nump">1,765,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DeferredTaxAssets', window );">Deferred tax assets</a></td>
<td class="nump">15,536,000,000<span></span>
</td>
<td class="nump">15,318,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalassets', window );">Total Assets</a></td>
<td class="nump">16,718,000,000<span></span>
</td>
<td class="nump">17,083,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Taxliabilities', window );">Tax liabilities</a></td>
<td class="nump">2,529,000,000<span></span>
</td>
<td class="nump">2,808,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CurrentTaxLiabilities', window );">Current tax liabilities</a></td>
<td class="nump">560,000,000<span></span>
</td>
<td class="nump">880,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DeferredTaxLiabilities', window );">Deferred tax liabilities</a></td>
<td class="nump">1,968,000,000<span></span>
</td>
<td class="nump">1,928,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalliabilities', window );">Total Liabilities</a></td>
<td class="nump">&#8364; 2,529,000,000<span></span>
</td>
<td class="nump">&#8364; 2,808,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DeferredtaxassetsandliabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DeferredtaxassetsandliabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Taxassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets recognized in the balance that is the sume of Deferred tax assets and current tax assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Taxassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Taxliabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities recognized in the balance that is the sume of Deferred tax liabilities and current tax liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Taxliabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalliabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalliabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The excess of amount paid for current tax in respect of current and prior periods over the amount due for those periods. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CurrentTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of current tax for current and prior periods to the extent unpaid. Current tax is the amount of income taxes payable (recoverable) in respect of the taxable profit (tax loss) for a period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph n<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_n&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CurrentTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes recoverable in future periods in respect of: (a) deductible temporary differences; (b) the carryforward of unused tax losses; and (c) the carryforward of unused tax credits. [Refer: Temporary differences [member]; Unused tax credits [member]; Unused tax losses [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 56<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DeferredTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amounts of income taxes payable in future periods in respect of taxable temporary differences. [Refer: Temporary differences [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 81<br> -Subparagraph g<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81_g_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph o<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_o&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 56<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_56&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
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<html>
<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664173432536">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 19 - Other assets and liabilities (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Inventories', window );">Total Inventories</a></td>
<td class="nump">&#8364; 615,000,000<span></span>
</td>
<td class="nump">&#8364; 581,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks', window );">Transactions in progress (assets)</a></td>
<td class="nump">165,000,000<span></span>
</td>
<td class="nump">138,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accrualsassets', window );">Total Accruals (assets)</a></td>
<td class="nump">929,000,000<span></span>
</td>
<td class="nump">804,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otheritemsassetsinventories', window );">Other items (assets inventories)</a></td>
<td class="nump">2,651,000,000<span></span>
</td>
<td class="nump">2,277,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherAssets', window );">OTHER ASSETS</a></td>
<td class="nump">4,360,000,000<span></span>
</td>
<td class="nump">3,800,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesAbstract', window );"><strong>Liabilities Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks', window );">Transactions in progress (liabilities)</a></td>
<td class="nump">98,000,000<span></span>
</td>
<td class="nump">39,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Accruals', window );">Total Accruals (liabilities)</a></td>
<td class="nump">2,040,000,000<span></span>
</td>
<td class="nump">2,456,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otheritemsliabilitiesinventories', window );">Other items (liabilities inventories)</a></td>
<td class="nump">1,969,000,000<span></span>
</td>
<td class="nump">1,247,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherLiabilities', window );">Total OTHER LIABILITIES</a></td>
<td class="nump">&#8364; 4,107,000,000<span></span>
</td>
<td class="nump">&#8364; 3,742,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Accrualsassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets to be paid for goods or services that have been supplied but not have been paid, invoiced or formally agreed with the counterparty.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Accrualsassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otheritemsassetsinventories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets held but that are not classified in any previous category.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otheritemsassetsinventories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otheritemsliabilitiesinventories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otheritemsliabilitiesinventories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Accruals">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities to pay for goods or services that have been received or supplied but have not been paid, invoiced or formally agreed with the supplier, including amounts due to employees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Accruals</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Inventories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of current inventories. [Refer: Inventories]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 2<br> -IssueDate 2019-01-01<br> -Paragraph 36<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=2&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_36_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph g<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_g&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 68<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_68&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Inventories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ItemsInCourseOfCollectionFromOtherBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of items that have been transmitted from other banks but not yet been received and processed by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ItemsInCourseOfCollectionFromOtherBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ItemsInCourseOfTransmissionToOtherBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of items that have been transmitted to but not yet received and processed by other banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ItemsInCourseOfTransmissionToOtherBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176551032">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 20 - Non-current assets and disposal groups classified as held for sale (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems', window );"><strong>Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 3,205,000,000<span></span>
</td>
<td class="nump">&#8364; 3,079,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_ForeclosuresandrecoveriesmemberMember', window );">Foreclosures And Recoveries [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems', window );"><strong>Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,487,000,000<span></span>
</td>
<td class="nump">1,647,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_OtherassetsfrompropertyplantandequipmentoperatingleasesmemberMember', window );">Other Assets From Property Plant And Equipment Operating Leases [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems', window );"><strong>Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">300,000,000<span></span>
</td>
<td class="nump">310,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_BusinesssaleassetsMember', window );">Business Sale - Assets [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems', window );"><strong>Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,727,855,000<span></span>
</td>
<td class="nump">1,715,804,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_AccruedamortizationmemberMember', window );">Accrued Amortization [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems', window );"><strong>Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">279,264,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_ImpairmentlossesMember', window );">Impairment Losses [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems', window );"><strong>Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[3]</sup></td>
<td class="num">(54,372,000)<span></span>
</td>
<td class="num">(51,463,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_OtherassetsheldforsaleMember', window );">Other Assets Held For Sale [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems', window );"><strong>Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(534,037,000)<span></span>
</td>
<td class="num">(542,548,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_TotalMember', window );">Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems', window );"><strong>Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale', window );">Non Current Assets Or Disposal Groups Clasified As Held For Sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 3,205,000,000<span></span>
</td>
<td class="nump">&#8364; 3,079,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)       </font>
          <font style="font-family:Arial;font-size:6pt;">It includes mainly BBVA&#8217;s stake in BBVA Paraguay (see Note 3).</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(**)     </font>
          <font style="font-family:Arial;font-size:6pt;">It includes mainly the agreement for the alliance with Allianz, </font>
          <font style="font-family:Arial;font-size:6pt;">Compa&#241;&#237;a de Seguros y Reaseguros, S.A (see Note 3).</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(***)   </font>
          <font style="font-family:Arial;font-size:6pt;">Accumulated amortization until related asset was reclassified as &#8220;Non-current assets and disposal groups held for sale&#8221;.</font>
        </p>
      </div></td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of non-current assets or disposal groups classified as held for sale. [Refer: Disposal groups classified as held for sale [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 5<br> -IssueDate 2019-01-01<br> -Paragraph 38<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=5&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_38&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_ForeclosuresandrecoveriesmemberMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_ForeclosuresandrecoveriesmemberMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_OtherassetsfrompropertyplantandequipmentoperatingleasesmemberMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_OtherassetsfrompropertyplantandequipmentoperatingleasesmemberMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_BusinesssaleassetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_BusinesssaleassetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_AccruedamortizationmemberMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_AccruedamortizationmemberMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_ImpairmentlossesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_ImpairmentlossesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_OtherassetsheldforsaleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_OtherassetsheldforsaleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AssetsandliabilitiesclassifiedasheldforsalenoncurrentassetsordisposalgroupsclassifiedasheldforsalebysectorAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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</body>
</html>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>154
<FILENAME>R137.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175554616">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 21 - Financial liabilities at amortized cost (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsabstract', window );"><strong>Deposits</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesDueToCentralBanks', window );">Deposits from cental banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 46,667,000,000<span></span>
</td>
<td class="nump">&#8364; 25,950,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32,356,000,000<span></span>
</td>
<td class="nump">28,751,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">402,184,000,000<span></span>
</td>
<td class="nump">384,219,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">64,421,000,000<span></span>
</td>
<td class="nump">63,963,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities, at amortized cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,085,000,000<span></span>
</td>
<td class="nump">13,758,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost', window );">FINANCIAL LIABILITIES AT AMORTIZED COST</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">559,713,000,000<span></span>
</td>
<td class="nump">516,641,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TableoffinancialliabilitiesatamortizedcostaxisAxis=bbva_TotalMember', window );">Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsabstract', window );"><strong>Deposits</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesDueToCentralBanks', window );">Deposits from cental banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">46,667,000,000<span></span>
</td>
<td class="nump">25,950,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32,356,000,000<span></span>
</td>
<td class="nump">28,751,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">402,184,000,000<span></span>
</td>
<td class="nump">384,219,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TableoffinancialliabilitiesatamortizedcostaxisAxis=bbva_CurrentaccountMember', window );">CurrentAccount [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsabstract', window );"><strong>Deposits</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesDueToCentralBanks', window );">Deposits from cental banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">285,000,000<span></span>
</td>
<td class="nump">23,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,553,000,000<span></span>
</td>
<td class="nump">7,161,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">308,212,000,000<span></span>
</td>
<td class="nump">280,391,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TableoffinancialliabilitiesatamortizedcostaxisAxis=bbva_TermaccountMember', window );">TermAccount [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsabstract', window );"><strong>Deposits</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesDueToCentralBanks', window );">Deposits from cental banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[2]</sup></td>
<td class="nump">41,040,000,000<span></span>
</td>
<td class="nump">25,101,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,062,000,000<span></span>
</td>
<td class="nump">18,896,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">93,671,000,000<span></span>
</td>
<td class="nump">103,293,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TableoffinancialliabilitiesatamortizedcostaxisAxis=bbva_TemporalassetleaseMember', window );">TemporalAssetLease [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Depositsabstract', window );"><strong>Deposits</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesDueToCentralBanks', window );">Deposits from cental banks</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,341,000,000<span></span>
</td>
<td class="nump">826,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,742,000,000<span></span>
</td>
<td class="nump">2,693,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 301,000,000<span></span>
</td>
<td class="nump">&#8364; 535,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(**)  The variation corresponds mainly to the increase in customer demand deposits in BBVA, S.A.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)   The variation corresponds mainly to the increase in time </font>
          <font style="font-family:Arial;font-size:6pt;">deposits of BBVA, S.A. in the </font>
          <font style="font-family:Arial;font-size:6pt;">European Central Bank through the financing program TLTRO III</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
        </p>
      </div></td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Depositsabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Depositsabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of instruments issued by the entity that represent indebtedness.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from banks held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from customers held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FinancialLiabilitiesAtAmortisedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities at amortised cost. The amortised cost is the amount at which financial liabilities are measured at initial recognition minus principal repayments, plus or minus the cumulative amortisation using the effective interest method of any difference between that initial amount and the maturity amount. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph g<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_8_g&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 8<br> -Subparagraph f<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_8_f&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FinancialLiabilitiesAtAmortisedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesDueToCentralBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities due to central banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesDueToCentralBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that the entity does not separately disclose in the same statement or note. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFinancialLiabilities</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TableoffinancialliabilitiesatamortizedcostaxisAxis=bbva_TotalMember">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664166737448">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 21 - Financial liabilities at amortized cost - Deposits from credit institutions by geographical area and instrument (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2"><div>Jun. 30, 2020</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">&#8364; 32,356,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 28,751,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember', window );">Demand Deposits And Other [Member] | Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">2,017,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,104,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember', window );">Demand Deposits And Other [Member] | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">2,990,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,082,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember', window );">Demand Deposits And Other [Member] | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">354,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">432,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember', window );">Demand Deposits And Other [Member] | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">192,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">302,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember', window );">Demand Deposits And Other [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">421,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">394,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember', window );">Demand Deposits And Other [Member] | Rest Of Europe [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">2,965,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,652,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember', window );">Demand Deposits And Other [Member] | Rest of the world [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">613,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">194,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember', window );">Demand Deposits And Other [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">9,553,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">7,161,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember', window );">Deposits With Agreed Maturity [Member] | Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">1,466,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,113,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember', window );">Deposits With Agreed Maturity [Member] | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">6,238,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,295,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember', window );">Deposits With Agreed Maturity [Member] | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">557,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">1,033,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember', window );">Deposits With Agreed Maturity [Member] | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">493,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">617,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember', window );">Deposits With Agreed Maturity [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">1,779,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2,285,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember', window );">Deposits With Agreed Maturity [Member] | Rest Of Europe [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">5,778,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">5,180,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember', window );">Deposits With Agreed Maturity [Member] | Rest of the world [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">2,751,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,374,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember', window );">Deposits With Agreed Maturity [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">19,062,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">18,896,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember', window );">Repurchase Agreements [Member] | Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember', window );">Repurchase Agreements [Member] | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember', window );">Repurchase Agreements [Member] | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">84,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">168,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember', window );">Repurchase Agreements [Member] | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">28,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember', window );">Repurchase Agreements [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">6,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">161,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember', window );">Repurchase Agreements [Member] | Rest Of Europe [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">3,624,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,358,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember', window );">Repurchase Agreements [Member] | Rest of the world [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember', window );">Repurchase Agreements [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">3,742,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,693,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_TotalMember', window );">Total | Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">3,483,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">3,218,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_TotalMember', window );">Total | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">9,228,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">6,377,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_TotalMember', window );">Total | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">995,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">1,634,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_TotalMember', window );">Total | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">713,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">924,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_TotalMember', window );">Total | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">2,205,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">2,840,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_TotalMember', window );">Total | Rest Of Europe [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">12,367,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">9,190,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_TotalMember', window );">Total | Rest of the world [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">3,364,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">4,568,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_TotalMember', window );">Total | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">&#8364; 32,356,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
<td class="nump">&#8364; 28,751,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="5"></td></tr>
<tr><td colspan="5"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Subordinated deposits are included amounting to &#8364;196 million</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Subordinated deposits are </font>
          <font style="font-family:Arial;font-size:6pt;">included amounting to &#8364;195 million</font>
        </p>
      </div></td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepositsfrombanksbygeographicalareaandinstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from banks held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DemanddepositsandotherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfrombanksAxis=bbva_IssuedinEurosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfrombanksAxis=bbva_IssuedinEurosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfrombanksAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfrombanksAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfrombanksAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfrombanksAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfrombanksAxis=country_TK">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfrombanksAxis=country_TK</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfrombanksAxis=country_SA">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfrombanksAxis=country_SA</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfrombanksAxis=bbva_RestofeuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfrombanksAxis=bbva_RestofeuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfrombanksAxis=bbva_RestOftheworldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfrombanksAxis=bbva_RestOftheworldMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfrombanksAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfrombanksAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_DepositswithagreedmaturityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepositsfrombanksbreakdownbygeographyAxis=bbva_RepurchaseagreementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664171926936">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 21 - Financial liabilities at amortized cost - Deposits from customers by geographical area and instruments (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th" colspan="2"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">&#8364; 402,184,000,000<span></span>
</td>
<td class="nump">&#8364; 384,219,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember', window );">Demand Deposits And Other By Geographical Area [Member] | Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">158,036,000,000<span></span>
</td>
<td class="nump">146,651,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember', window );">Demand Deposits And Other By Geographical Area [Member] | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">56,222,000,000<span></span>
</td>
<td class="nump">46,372,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember', window );">Demand Deposits And Other By Geographical Area [Member] | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">39,161,000,000<span></span>
</td>
<td class="nump">43,326,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember', window );">Demand Deposits And Other By Geographical Area [Member] | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">17,696,000,000<span></span>
</td>
<td class="nump">13,775,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember', window );">Demand Deposits And Other By Geographical Area [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">26,510,000,000<span></span>
</td>
<td class="nump">22,748,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember', window );">Demand Deposits And Other By Geographical Area [Member] | Rest Of Europe [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">9,644,000,000<span></span>
</td>
<td class="nump">6,610,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember', window );">Demand Deposits And Other By Geographical Area [Member] | Rest of the world [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">943,000,000<span></span>
</td>
<td class="nump">909,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember', window );">Demand Deposits And Other By Geographical Area [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">308,212,000,000<span></span>
</td>
<td class="nump">280,391,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember', window );">Deposits With Agreed Maturity By Geographical Area [Member] | Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">22,226,000,000<span></span>
</td>
<td class="nump">24,958,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember', window );">Deposits With Agreed Maturity By Geographical Area [Member] | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">19,498,000,000<span></span>
</td>
<td class="nump">19,810,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember', window );">Deposits With Agreed Maturity By Geographical Area [Member] | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">11,584,000,000<span></span>
</td>
<td class="nump">12,714,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember', window );">Deposits With Agreed Maturity By Geographical Area [Member] | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">17,522,000,000<span></span>
</td>
<td class="nump">22,257,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember', window );">Deposits With Agreed Maturity By Geographical Area [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">13,012,000,000<span></span>
</td>
<td class="nump">13,913,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember', window );">Deposits With Agreed Maturity By Geographical Area [Member] | Rest Of Europe [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">9,418,000,000<span></span>
</td>
<td class="nump">8,749,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember', window );">Deposits With Agreed Maturity By Geographical Area [Member] | Rest of the world [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">411,000,000<span></span>
</td>
<td class="nump">892,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember', window );">Deposits With Agreed Maturity By Geographical Area [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">93,671,000,000<span></span>
</td>
<td class="nump">103,293,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember', window );">Repurchase Agreements By Geographical Area [Member] | Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember', window );">Repurchase Agreements By Geographical Area [Member] | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember', window );">Repurchase Agreements By Geographical Area [Member] | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">95,000,000<span></span>
</td>
<td class="nump">523,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember', window );">Repurchase Agreements By Geographical Area [Member] | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">203,000,000<span></span>
</td>
<td class="nump">10,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember', window );">Repurchase Agreements By Geographical Area [Member] | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember', window );">Repurchase Agreements By Geographical Area [Member] | Rest Of Europe [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember', window );">Repurchase Agreements By Geographical Area [Member] | Rest of the world [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember', window );">Repurchase Agreements By Geographical Area [Member] | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">301,000,000<span></span>
</td>
<td class="nump">535,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember', window );">Total | Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">180,265,000,000<span></span>
</td>
<td class="nump">171,611,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember', window );">Total | United States [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">75,720,000,000<span></span>
</td>
<td class="nump">66,181,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember', window );">Total | Mexico [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">50,840,000,000<span></span>
</td>
<td class="nump">56,564,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember', window );">Total | Turkey [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">35,421,000,000<span></span>
</td>
<td class="nump">36,042,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember', window );">Total | South America [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">39,522,000,000<span></span>
</td>
<td class="nump">36,661,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember', window );">Total | Rest Of Europe [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">19,062,000,000<span></span>
</td>
<td class="nump">15,360,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember', window );">Total | Rest of the world [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">1,354,000,000<span></span>
</td>
<td class="nump">1,801,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember', window );">Total | Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems', window );"><strong>Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">&#8364; 402,184,000,000<span></span>
</td>
<td class="nump">&#8364; 384,219,000,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Subordinated deposits are included amounting to &#8364;189 million</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepositsfromcustomersbygeographicalareaandinstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from customers held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DemanddepositsandothergeographicalareaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfromcustomersAxis=bbva_IssuedinEurosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfromcustomersAxis=bbva_IssuedinEurosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfromcustomersAxis=country_US">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfromcustomersAxis=country_US</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfromcustomersAxis=country_MX">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfromcustomersAxis=country_MX</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfromcustomersAxis=country_TK">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfromcustomersAxis=country_TK</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfromcustomersAxis=country_SA">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfromcustomersAxis=country_SA</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfromcustomersAxis=bbva_RestofeuropeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfromcustomersAxis=bbva_RestofeuropeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfromcustomersAxis=bbva_RestOftheworldMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfromcustomersAxis=bbva_RestOftheworldMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GeographydepositsfromcustomersAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GeographydepositsfromcustomersAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_DepositswithagreedmaturitygeographicalareaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_RepurchaseagreementsgeographicalareaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FinancialliabilitiesatamortizedcostbygeographicalareaAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>157
<FILENAME>R140.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664167187288">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 21 - Financial liabilities at amortized cost - Debt Securities issued (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">&#8364; 64,421,000,000<span></span>
</td>
<td class="nump">&#8364; 63,963,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">42,329,000,000<span></span>
</td>
<td class="nump">40,185,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Promissory bills and notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">718,000,000<span></span>
</td>
<td class="nump">737,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Non-convertible bonds and debentures at floating interest rates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">14,472,000,000<span></span>
</td>
<td class="nump">12,248,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Mortgage Covered bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">15,232,000,000<span></span>
</td>
<td class="nump">15,542,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Hybrid financial instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">405,000,000<span></span>
</td>
<td class="nump">518,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Securitization bonds made by the Group</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">2,900,000,000<span></span>
</td>
<td class="nump">1,354,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Certified Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">1,132,000,000<span></span>
</td>
<td class="nump">1,817,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Subordinated Liabilities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">7,470,000,000<span></span>
</td>
<td class="nump">7,968,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Convertible perpetual securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">3,500,000,000<span></span>
</td>
<td class="nump">5,000,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Convertible subordinated bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Non convertible preferred liabilities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">79,000,000<span></span>
</td>
<td class="nump">83,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember', window );">Issued in Euros [Member] | Non convertible other subordinated liabilities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">3,891,000,000<span></span>
</td>
<td class="nump">2,885,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">22,092,000,000<span></span>
</td>
<td class="nump">23,778,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Promissory bills and notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">1,059,000,000<span></span>
</td>
<td class="nump">1,210,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Non-convertible bonds and debentures at floating interest rates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">10,364,000,000<span></span>
</td>
<td class="nump">10,587,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Mortgage Covered bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">279,000,000<span></span>
</td>
<td class="nump">362,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Hybrid financial instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">656,000,000<span></span>
</td>
<td class="nump">1,156,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Securitization bonds made by the Group</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">17,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Certified Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">512,000,000<span></span>
</td>
<td class="nump">780,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Subordinated Liabilities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">9,218,000,000<span></span>
</td>
<td class="nump">9,666,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Convertible perpetual securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">1,788,000,000<span></span>
</td>
<td class="nump">1,782,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Convertible subordinated bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Non convertible preferred liabilities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">53,000,000<span></span>
</td>
<td class="nump">76,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember', window );">Issued in Foreign Currency [Member] | Non convertible other subordinated liabilities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DebtsecuritiesissuedLineItems', window );"><strong>Debt securities issued Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">&#8364; 7,377,000,000<span></span>
</td>
<td class="nump">&#8364; 7,808,000,000<span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedLineItems</td>
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<td>na</td>
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<tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of instruments issued by the entity that represent indebtedness.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DebtSecurities</td>
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<tr>
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<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CurrencyaxisAxis=bbva_IssuedinEurosMember</td>
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_NonconvertiblebondsanddebenturesMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_MortgagecoveredbondsMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_HybridfinancialinstrumentsMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_SecuritizationbondsmadebythegroupMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td>na</td>
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<td></td>
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<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_CertifieddepositsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_SubordinatedliabilitiesMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_ConvertibleperpetualsecuritiesMember</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_ConvertiblesubordinatedbondsMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_NonconvertiblepreferredliabilitiesMember</td>
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<td></td>
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<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DebtsecuritiesissuedinstrumentsaxisAxis=bbva_NonconvertibleothersubordinatedliabilitiesMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CurrencyaxisAxis=bbva_IssuedinForeigncurrencyMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169778632">
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 21 - Financial liabilities at amortized cost - Other financial liabilities (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesLineItems', window );"><strong>Other Financial Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities, at amortized cost</a></td>
<td class="nump">&#8364; 14,085,000,000<span></span>
</td>
<td class="nump">&#8364; 13,758,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesaxisAxis=ifrs-full_LeaseLiabilitiesMember', window );">LiabilitiesForLease [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesLineItems', window );"><strong>Other Financial Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities, at amortized cost</a></td>
<td class="nump">3,129,000,000<span></span>
</td>
<td class="nump">3,335,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesaxisAxis=bbva_CreditorsforotherfinancialliabilitiesMember', window );">Creditors For Other Financial Liabilities Member [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesLineItems', window );"><strong>Other Financial Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities, at amortized cost</a></td>
<td class="nump">2,887,000,000<span></span>
</td>
<td class="nump">2,623,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesaxisAxis=bbva_CollectionaccountsMember', window );">Collection Accounts Member [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesLineItems', window );"><strong>Other Financial Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities, at amortized cost</a></td>
<td class="nump">3,532,000,000<span></span>
</td>
<td class="nump">3,306,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesaxisAxis=bbva_CreditorsforotherpaymentobligationsMember', window );">Creditors For Other Payment Obligations Member [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherfinancialliabilitiesLineItems', window );"><strong>Other Financial Liabilities Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFinancialLiabilities', window );">Other financial liabilities, at amortized cost</a></td>
<td class="nump">&#8364; 4,538,000,000<span></span>
</td>
<td class="nump">&#8364; 4,494,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherfinancialliabilitiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherfinancialliabilitiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial liabilities that the entity does not separately disclose in the same statement or note. [Refer: Financial liabilities]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph m<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_m&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherfinancialliabilitiesaxisAxis=ifrs-full_LeaseLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherfinancialliabilitiesaxisAxis=ifrs-full_LeaseLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherfinancialliabilitiesaxisAxis=bbva_CreditorsforotherfinancialliabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherfinancialliabilitiesaxisAxis=bbva_CreditorsforotherfinancialliabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherfinancialliabilitiesaxisAxis=bbva_CollectionaccountsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherfinancialliabilitiesaxisAxis=bbva_CollectionaccountsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherfinancialliabilitiesaxisAxis=bbva_CreditorsforotherpaymentobligationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherfinancialliabilitiesaxisAxis=bbva_CreditorsforotherpaymentobligationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197270776">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 22 - Assets and Liabilities under reinsurance and insurance contracts - Liabilities Under Reassurance And Assurance Contracts (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TechnicalreservesbytypeofinsuranceproductLineItems', window );"><strong>Technical reserves by type of insurance product</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesArisingFromInsuranceContracts', window );">LIABILITIES UNDER INSURANCE CONTRACTS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 9,462,000,000<span></span>
</td>
<td class="nump">&#8364; 10,606,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SignificantprovisionsrecognizedaxisAxis=bbva_MathematicalreservesMember', window );">Mathematical reserves [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TechnicalreservesbytypeofinsuranceproductLineItems', window );"><strong>Technical reserves by type of insurance product</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesArisingFromInsuranceContracts', window );">LIABILITIES UNDER INSURANCE CONTRACTS</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">8,310,000,000<span></span>
</td>
<td class="nump">9,247,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SignificantprovisionsrecognizedaxisAxis=bbva_ProvisionForUnpaidClaimsReportedMember', window );">Provision for unpaid claims reported [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TechnicalreservesbytypeofinsuranceproductLineItems', window );"><strong>Technical reserves by type of insurance product</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesArisingFromInsuranceContracts', window );">LIABILITIES UNDER INSURANCE CONTRACTS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">652,000,000<span></span>
</td>
<td class="nump">641,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SignificantprovisionsrecognizedaxisAxis=bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember', window );">Provisions for unexpired risks and other provisions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TechnicalreservesbytypeofinsuranceproductLineItems', window );"><strong>Technical reserves by type of insurance product</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesArisingFromInsuranceContracts', window );">LIABILITIES UNDER INSURANCE CONTRACTS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">500,000,000<span></span>
</td>
<td class="nump">718,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_SignificantprovisionsrecognizedaxisAxis=bbva_TotalMember', window );">Total</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TechnicalreservesbytypeofinsuranceproductLineItems', window );"><strong>Technical reserves by type of insurance product</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LiabilitiesArisingFromInsuranceContracts', window );">LIABILITIES UNDER INSURANCE CONTRACTS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 9,462,000,000<span></span>
</td>
<td class="nump">&#8364; 10,606,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:10pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)    The </font>
          <font style="font-family:Arial;font-size:6pt;">variation corresponds mainly to the decrease in Mexico.</font>
        </p>
      </div></td>
</tr></table></td></tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TechnicalreservesbytypeofinsuranceproductLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TechnicalreservesbytypeofinsuranceproductLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LiabilitiesArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities under insurance contracts and reinsurance contracts issued. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_e&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph IG20<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_IG20_a&amp;doctype=Implementation%20Guidance&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph IG37<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_IG37_a&amp;doctype=Implementation%20Guidance&amp;book=b<br> -URIDate 2019-03-27<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Note Expiry date 2021-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_55&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LiabilitiesArisingFromInsuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SignificantprovisionsrecognizedaxisAxis=bbva_MathematicalreservesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_SignificantprovisionsrecognizedaxisAxis=bbva_MathematicalreservesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SignificantprovisionsrecognizedaxisAxis=bbva_ProvisionForUnpaidClaimsReportedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_SignificantprovisionsrecognizedaxisAxis=bbva_ProvisionForUnpaidClaimsReportedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SignificantprovisionsrecognizedaxisAxis=bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_SignificantprovisionsrecognizedaxisAxis=bbva_ProvisionsForUnexpiredRisksAndOtherProvisionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_SignificantprovisionsrecognizedaxisAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_SignificantprovisionsrecognizedaxisAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>160
<FILENAME>R143.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176694280">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 23 - Provisions. Provisions Breakdown By Conceps (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProvisionsAbstract', window );"><strong>Provisions or reversal of provisions Abstract</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProvisionsForEmployeeBenefits', window );">Pensions and other post employment defined Benefit Obligations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 4,427,000,000<span></span>
</td>
<td class="nump">&#8364; 4,631,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherlongtermemployeebenefits', window );">Other long term employee benefits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">53,000,000<span></span>
</td>
<td class="nump">61,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LegalProceedingsProvision', window );">Provisions for taxes and other legal contingencies</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">738,000,000<span></span>
</td>
<td class="nump">677,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Provisionscommitmentsandguaranteesgiven', window );">Provisions for contingent risks and commitments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">774,000,000<span></span>
</td>
<td class="nump">711,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherProvisions', window );">Other Provisions</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">502,000,000<span></span>
</td>
<td class="nump">457,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_Provisions', window );">PROVISIONS</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 6,494,000,000<span></span>
</td>
<td class="nump">&#8364; 6,538,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:left;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) </font>
          <font style="font-family:Arial;font-size:6pt;">Individually insignificant provisions or contingencies, for various concepts in different geographies.</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherlongtermemployeebenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The present value, without deducting any plan assets, of expected future payments required to settle the obligation resulting from other long term benefit program with employees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherlongtermemployeebenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Provisionscommitmentsandguaranteesgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions asociated to commitments and guarantees given. The amount of provisions to cover contingent risk and commitments</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Provisionscommitmentsandguaranteesgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LegalProceedingsProvision">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of provision for legal proceedings. [Refer: Other provisions]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2019-01-01<br> -Section Example 10 A court case<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2019-en-r&amp;doctype=Illustrative%20Examples&amp;dita_xref=IAS37_IE_C_ex10_TI<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2019-01-01<br> -Paragraph 87<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_87&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LegalProceedingsProvision</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherProvisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions other than provisions for employee benefits. [Refer: Provisions]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 37<br> -IssueDate 2019-01-01<br> -Paragraph 84<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=37&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_84_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherProvisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_Provisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of liabilities of uncertain timing or amount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 54<br> -Subparagraph l<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_54_l&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_Provisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProvisionsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProvisionsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProvisionsForEmployeeBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of provisions for employee benefits. [Refer: Employee benefits expense; Provisions]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph d<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_d&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProvisionsForEmployeeBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>161
<FILENAME>R144.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170573848">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 24 - Post-employment and other employee benefit commitments. Consolidated Income Statement Impact (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Postemploymentandotheremployeebenefitcommitmentsabstract', window );"><strong>Post-employment and other employee benefit commitments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_InterestExpensesBenefitCommitments', window );">Interest Expenses Benefit Commitments</a></td>
<td class="nump">&#8364; 25,000,000<span></span>
</td>
<td class="nump">&#8364; 38,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PersonelExpensesBenefitCommitments', window );">Personel Expenses Benefit Commitments</a></td>
<td class="nump">76,000,000<span></span>
</td>
<td class="nump">79,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset', window );">Employer contributions</a></td>
<td class="nump">49,000,000<span></span>
</td>
<td class="nump">55,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PostEmploymentsBenefitExpenseDefinedBenefitPlans', window );">Post Employments Benefit Expense Defined Benefit Plans</a></td>
<td class="nump">27,000,000<span></span>
</td>
<td class="nump">24,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ProvisionsConsolidatedIncomeStatementImpact', window );">Provisions Consolidated Income Statement Impact</a></td>
<td class="nump">145,000,000<span></span>
</td>
<td class="nump">127,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TotalImpactOnProfitAndLossBenefitCommitments', window );">Total Impact on Profit and Loss Benefit Commitments</a></td>
<td class="nump">&#8364; 247,000,000<span></span>
</td>
<td class="nump">&#8364; 244,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InterestExpensesBenefitCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InterestExpensesBenefitCommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PersonelExpensesBenefitCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PersonelExpensesBenefitCommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PostEmploymentsBenefitExpenseDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PostEmploymentsBenefitExpenseDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Postemploymentandotheremployeebenefitcommitmentsabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Postemploymentandotheremployeebenefitcommitmentsabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ProvisionsConsolidatedIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ProvisionsConsolidatedIncomeStatementImpact</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TotalImpactOnProfitAndLossBenefitCommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TotalImpactOnProfitAndLossBenefitCommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in net defined benefit liability (asset) resulting from contributions to a defined benefit plan by the employer. [Refer: Net defined benefit liability (asset); Defined benefit plans [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2019-01-01<br> -Paragraph 141<br> -Subparagraph f<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_141_f&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>162
<FILENAME>R145.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169693240">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 25 - Common Stock - Classes Of Share Capital (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems', window );"><strong>Classes Of Share Capital Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IssuedCapital', window );">Capital (Capital base and capital management)</a></td>
<td class="nump">&#8364; 3,267,000,000<span></span>
</td>
<td class="nump">&#8364; 3,267,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfClassesOfShareCapitalLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfClassesOfShareCapitalLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IssuedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The nominal value of capital issued.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 78<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_78_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IssuedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>163
<FILENAME>R146.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176647864">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 26 - Retained earnings, revaluation reserves and other reserves -  Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfReservesWithinEquityAbstract', window );"><strong>Retained earnings, revaluation reserves and other reserves.</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AccumulatedReserves', window );">Accumulated Profit Reserves</a></td>
<td class="nump">&#8364; 30,589,000,000<span></span>
</td>
<td class="nump">&#8364; 29,388,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Voluntaryreserves', window );">Other Reserves Voluntary</a></td>
<td class="num">(160,000,000)<span></span>
</td>
<td class="num">(119,000,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalretainedearningsrevaluationreservesandotherreserves', window );">Total Retained Earnings Revaluation Reserves And Other Reserves</a></td>
<td class="nump">&#8364; 30,429,000,000<span></span>
</td>
<td class="nump">&#8364; 29,268,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccumulatedReserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated reserves</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AccumulatedReserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalretainedearningsrevaluationreservesandotherreserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of reserves held by the parent company and held by the associated entities under the consolidation scope and that are recognized by the Group.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalretainedearningsrevaluationreservesandotherreserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Voluntaryreserves">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of voluntary reserves</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Voluntaryreserves</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfReservesWithinEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfReservesWithinEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<FILENAME>R147.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
<head>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197212776">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 27 - Accumulated Other Comprehensive Income Accumulated Other Comprehensive Income (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_AccumulatedOtherComprehensiveIncomeAbstract', window );"><strong>Accumulated other comprehensive income abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance', window );">Total Items that will not be reclassified to profit or loss balance</a></td>
<td class="num">&#8364; (2,253,000,000)<span></span>
</td>
<td class="num">&#8364; (1,875,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance', window );">Actuarial gains or (-) losses on defined benefit pension plans</a></td>
<td class="num">(1,381,000,000)<span></span>
</td>
<td class="num">(1,498,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale', window );">Non-current assets and disposal groups classified as held for sale (not reclassified)</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance', window );">Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue', window );">Other Comprehensive Income Net Of Tax Change At fair Value Of Equity Instruments Measured At Fair Value</a></td>
<td class="num">(940,000,000)<span></span>
</td>
<td class="num">(403,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome', window );">Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk', window );">Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</a></td>
<td class="nump">67,000,000<span></span>
</td>
<td class="nump">24,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Itemsthatmaybereclassifiedtoprofitorloss', window );">Total Items that may be reclassified to profit or loss</a></td>
<td class="num">(10,570,000,000)<span></span>
</td>
<td class="num">(8,351,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance', window );">Hedge of net investments in foreign operations(effective portion)</a></td>
<td class="num">(312,000,000)<span></span>
</td>
<td class="num">(896,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance', window );">Foreign currency translation balance</a></td>
<td class="num">(12,351,000,000)<span></span>
</td>
<td class="num">(9,147,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance', window );">Hedging derivatives.Cash flow hedges(efffective portion)</a></td>
<td class="nump">308,000,000<span></span>
</td>
<td class="num">(44,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome', window );">Changes In The Fair Value Of Debt Instruments Measured At Fair Value With Changes In Other Comprehensive Income</a></td>
<td class="nump">1,830,000,000<span></span>
</td>
<td class="nump">1,760,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Hedginginstruments', window );">Hedging Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance', window );">Non-current assets and disposal groups classified as held for sale</a></td>
<td class="num">(27,000,000)<span></span>
</td>
<td class="num">(18,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance', window );">Share of other recognized income and expense of investments in subsidiaries joint ventures and associates</a></td>
<td class="num">(19,000,000)<span></span>
</td>
<td class="num">(5,000,000)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AccumulatedOtherComprehensiveIncome', window );">Total accumulated other comprehensive income</a></td>
<td class="num">&#8364; (12,822,000,000)<span></span>
</td>
<td class="num">&#8364; (10,226,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_AccumulatedOtherComprehensiveIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_AccumulatedOtherComprehensiveIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will not be reclassified to profir or loss associated to non - current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Accumulatedothercomprehensiveincomenoncurrentassetsanddisposalgroupsclassifiedasheldforsale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will may be reclassified to profir or loss associated to non - current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Amountreclassifiedtoothercomprehensiveincomefromprofitorlossapplyingoverlayapproachnetoftaxbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to debt securities, available for sale, during the exercise.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Changesinthefairvalueofdebtinstrumentsmeasuredatfairvaluewithchangesinothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fairvaluechangesoffinancialliabilitiesatfairvaluethroughprofitorlossattributabletochangesintheircreditrisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Hedgeineffectivenessoffairvaluehedgesforequityinstrumentsmeasuredatfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Hedginginstruments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Hedginginstruments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Itemsthatmaybereclassifiedtoprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income associated to items that may be reclassfied to profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Itemsthatmaybereclassifiedtoprofitorloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to the income tax of cash flow hedges.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxcashflowhedgesbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will not be reclassified to income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxchangeatfairvalueofequityinstrumentsmeasuredatfairvalue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to cash flow hedges. Exchange differences on translation</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxexchangedifferencesontranslationbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income associated to remeasurement of defined benefit obligations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxgainslossesonremeasurementsofdefinedbenefitplansbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of comprehensive income associated to cash flow hedges. Investments in foreign operations</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomenetoftaxhedgesofnetinvestmentsinforeignoperationsbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other comprehensive income associated to items that will not be reclassfied to profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercomprehensiveincomethatwillnotbereclassifiedtoprofitorlossnetoftaxbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will may be reclassified to profit or loss associated to joint ventures accounted for using the equity method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillbereclassifiedtoprofitorlossnetoftaxbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated other comprehensive income that will not be reclassified to profit or loss associated to joint ventures accounted for using the equity method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Shareofothercomprehensiveincomeofassociatesandjointventuresaccountedforusingequitymethodthatwillnotbereclassifiedtoprofitorlossnetoftaxbalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AccumulatedOtherComprehensiveIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of accumulated items of income and expense (including reclassification adjustments) that are not recognised in profit or loss as required or permitted by other IFRSs. [Refer: IFRSs [member]; Other comprehensive income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AccumulatedOtherComprehensiveIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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</html>
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<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175721032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 28 - Non Controlling Interest (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncontrolllinginterestLineItems', window );"><strong>Non Controllling Interest Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="num">&#8364; (1,157,000,000)<span></span>
</td>
<td class="nump">&#8364; 2,442,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GroupsAxis=bbva_GrupogarantiturkiyebankasiMember', window );">Garanti BBVA</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncontrolllinginterestLineItems', window );"><strong>Non Controllling Interest Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncontrollinginterest', window );">Total Non Controlling Interests</a></td>
<td class="nump">3,988,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 4,240,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="nump">274,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">291,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GroupsAxis=bbva_BbvaperuMember', window );">BBVA Peru [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncontrolllinginterestLineItems', window );"><strong>Non Controllling Interest Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncontrollinginterest', window );">Total Non Controlling Interests</a></td>
<td class="nump">1,222,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,334,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="nump">39,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">115,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GroupsAxis=bbva_BbvaargentinaMember', window );">Bbva Argentina [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncontrolllinginterestLineItems', window );"><strong>Non Controllling Interest Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncontrollinginterest', window );">Total Non Controlling Interests</a></td>
<td class="nump">439,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">422,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="nump">18,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">60,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GroupsAxis=bbva_GrupobbvacolombiaMember', window );">BBVA Colombia Group</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncontrolllinginterestLineItems', window );"><strong>Non Controllling Interest Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncontrollinginterest', window );">Total Non Controlling Interests</a></td>
<td class="nump">65,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">76,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GroupsAxis=bbva_BbvavenezuelaMember', window );">Bbva Venezuela [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncontrolllinginterestLineItems', window );"><strong>Non Controllling Interest Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncontrollinginterest', window );">Total Non Controlling Interests</a></td>
<td class="nump">66,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">71,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GroupsAxis=bbva_OtherMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncontrolllinginterestLineItems', window );"><strong>Non Controllling Interest Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncontrollinginterest', window );">Total Non Controlling Interests</a></td>
<td class="nump">55,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">57,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GroupsAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NoncontrolllinginterestLineItems', window );"><strong>Non Controllling Interest Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Noncontrollinginterest', window );">Total Non Controlling Interests</a></td>
<td class="nump">5,836,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,201,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests', window );">Profit Loss Attributable To Non controlling Interests</a></td>
<td class="nump">&#8364; 333,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 475,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Noncontrollinginterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of non controlling interest, of total equity, corresponding to the breakdown by groups of consolidated entities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Noncontrollinginterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NoncontrolllinginterestLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NoncontrolllinginterestLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProfitLossAttributableToNoncontrollingInterests">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The profit (loss) from continuing and discontinued operations attributable to non-controlling interests. [Refer: Profit (loss); Non-controlling interests]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph 12<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_12_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 81B<br> -Subparagraph a<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_81B_a_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProfitLossAttributableToNoncontrollingInterests</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GroupsAxis=bbva_GrupogarantiturkiyebankasiMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GroupsAxis=bbva_GrupogarantiturkiyebankasiMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GroupsAxis=bbva_BbvaperuMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GroupsAxis=bbva_BbvaperuMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GroupsAxis=bbva_BbvaargentinaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GroupsAxis=bbva_BbvaargentinaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GroupsAxis=bbva_GrupobbvacolombiaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GroupsAxis=bbva_GrupobbvacolombiaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GroupsAxis=bbva_BbvavenezuelaMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GroupsAxis=bbva_BbvavenezuelaMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GroupsAxis=bbva_OtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GroupsAxis=bbva_OtherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_GroupsAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_GroupsAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>166
<FILENAME>R149.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170873688">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 29 - Capital Base and Capital Management - Eligible Capital Resources (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Capitalbaseandcapitalmanagementabstract', window );"><strong>Capital Base And Capital Management</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Ordinarycapitaltier1', window );">Ordinary Capital Tier 1</a></td>
<td colspan="2" class="nump">&#8364; 42,118,000,000<span></span>
</td>
<td class="nump">&#8364; 43,653,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Additionalcapitaltier1', window );">Additional Capital Tier 1</a></td>
<td colspan="2" class="nump">6,067,000,000<span></span>
</td>
<td class="nump">6,048,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Capitaltier2', window );">Capital Tier 2</a></td>
<td colspan="2" class="nump">9,345,000,000<span></span>
</td>
<td class="nump">8,304,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Assetsweightedbyrisk', window );">Assets Weighted By Risk</a></td>
<td colspan="2" class="nump">&#8364; 362,050,000,000<span></span>
</td>
<td class="nump">&#8364; 364,448,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CommonEquityTier1CET1', window );">Common Equity Tier 1 CET1</a></td>
<td colspan="2" class="nump">11.63%<span></span>
</td>
<td class="nump">11.98%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_At1', window );">AT 1</a></td>
<td colspan="2" class="nump">1.68%<span></span>
</td>
<td class="nump">1.66%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tier1', window );">Tier 1 (Eligible capital resources)</a></td>
<td colspan="2" class="nump">13.31%<span></span>
</td>
<td class="nump">13.64%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tier2', window );">Tier 2 ( Eligible capital resources)</a></td>
<td colspan="2" class="nump">2.58%<span></span>
</td>
<td class="nump">2.28%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalcapital', window );">Total Capital</a></td>
<td colspan="2" class="nump">15.89%<span></span>
</td>
<td class="nump">15.92%<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Provisional data</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Additionalcapitaltier1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Additionalcapitaltier1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Assetsweightedbyrisk">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Assetsweightedbyrisk</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_At1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The percentage of additional Tier 1 capital ratio. Additional Tier 1 or AT1 consists of capital instruments that are continuous, in that there is no fixed maturity including: Preferred shares, High contingent convertible securities</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_At1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Capitalbaseandcapitalmanagementabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Capitalbaseandcapitalmanagementabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Capitaltier2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Capitaltier2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CommonEquityTier1CET1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Common equity Tier 1 comprises of a banks core capital and includes common shares, stock surpluses resulting from the issue of common shares, retained earnings, common shares issued by subsidiaries and held by third parties, and accumulated other comprehensive income. The amount of eligible common equity Tier 1 capital.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CommonEquityTier1CET1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Ordinarycapitaltier1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Ordinarycapitaltier1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tier1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Includes: Common stock, parent company reserves, reserves in consolidated companies, non-controlling interests, deduction and others and attributed net income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tier1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tier2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Includes: Subordinated, preferred shares, generic countable and non- controlling interest</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tier2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalcapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalcapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>167
<FILENAME>R150.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664232310888">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 29 - Capital Base and Capital Management - Leverage Ratio (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><sup>[1]</sup></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Capitalbaseandcapitalmanagementabstract', window );"><strong>Capital Base And Capital Management</strong></a></td>
<td colspan="2" class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Tier1eligiblecapitalresourcescapitalbase', window );">Tier 1 eligible capital resources capital base</a></td>
<td colspan="2" class="nump">&#8364; 48,185,000,000<span></span>
</td>
<td class="nump">&#8364; 49,701,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Exposureriskweightedassets', window );">Exposure (thousand of euros)</a></td>
<td colspan="2" class="nump">&#8364; 771,590,000,000<span></span>
</td>
<td class="nump">&#8364; 731,087,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Leverageratio', window );">Leverage Ratio</a></td>
<td colspan="2" class="nump">6.24%<span></span>
</td>
<td class="nump">6.80%<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Provisional data</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Capitalbaseandcapitalmanagementabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Capitalbaseandcapitalmanagementabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Exposureriskweightedassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of assets measured for regulatory requirements taking into account a pondered coeficient that measures the risk associated to each asset.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Exposureriskweightedassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Leverageratio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tier 1 leverage ratio is the relationship between a banking organization's core capital and its total assets. The Tier 1 leverage ratio is calculated by dividing Tier 1 capital by a bank's average total consolidated assets and certain off-balance sheet exposures</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Leverageratio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Tier1eligiblecapitalresourcescapitalbase">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Includes: Common stock, parent company reserves, reserves in consolidated companies, non-controlling interests, deduction and others and attributed net income</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Tier1eligiblecapitalresourcescapitalbase</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
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<FILENAME>R151.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175752744">
<tr>
<th class="tl" colspan="2" rowspan="1"><div style="width: 200px;"><strong>Note 30 - Commitments and guarantees given (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems', window );"><strong>Loan commitments, Financial guarantees and other commitments Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 134,494,000,000<span></span>
</td>
<td class="nump">&#8364; 130,923,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10,989,000,000<span></span>
</td>
<td class="nump">10,984,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercommitmentsandguaranteesgiven', window );">Other commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">38,563,000,000<span></span>
</td>
<td class="nump">39,209,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalloancommitmentsandfinancialguarantees', window );">Total Loan commitments and financial guarantees</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">184,046,000,000<span></span>
</td>
<td class="nump">181,116,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=bbva_DefaultedMember', window );">Of which: defaulted</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems', window );"><strong>Loan commitments, Financial guarantees and other commitments Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">227,000,000<span></span>
</td>
<td class="nump">270,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">261,000,000<span></span>
</td>
<td class="nump">224,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercommitmentsandguaranteesgiven', window );">Other commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">441,000,000<span></span>
</td>
<td class="nump">506,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=bbva_CentralbanksMember', window );">Central Banks [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems', window );"><strong>Loan commitments, Financial guarantees and other commitments Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercommitmentsandguaranteesgiven', window );">Other commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">106,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=ifrs-full_GovernmentMember', window );">Government [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems', window );"><strong>Loan commitments, Financial guarantees and other commitments Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,897,000,000<span></span>
</td>
<td class="nump">3,117,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">109,000,000<span></span>
</td>
<td class="nump">125,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercommitmentsandguaranteesgiven', window );">Other commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,685,000,000<span></span>
</td>
<td class="nump">521,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=bbva_CreditinstitutionsMember', window );">Credit Institutions [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems', window );"><strong>Loan commitments, Financial guarantees and other commitments Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">14,450,000,000<span></span>
</td>
<td class="nump">11,742,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">427,000,000<span></span>
</td>
<td class="nump">995,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercommitmentsandguaranteesgiven', window );">Other commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">5,119,000,000<span></span>
</td>
<td class="nump">5,952,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=bbva_OtherfinancialcorporationsMember', window );">Other financial corporations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems', window );"><strong>Loan commitments, Financial guarantees and other commitments Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,955,000,000<span></span>
</td>
<td class="nump">4,578,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">677,000,000<span></span>
</td>
<td class="nump">583,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercommitmentsandguaranteesgiven', window );">Other commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">3,924,000,000<span></span>
</td>
<td class="nump">2,902,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=bbva_NonfinancialcorporationsMember', window );">Non-financial corporations</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems', window );"><strong>Loan commitments, Financial guarantees and other commitments Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">69,184,000,000<span></span>
</td>
<td class="nump">65,475,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9,529,000,000<span></span>
</td>
<td class="nump">8,986,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercommitmentsandguaranteesgiven', window );">Other commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">27,535,000,000<span></span>
</td>
<td class="nump">29,682,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_TypesOfCustomersAxis=bbva_HouseholdsMember', window );">Households [Member]</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems', window );"><strong>Loan commitments, Financial guarantees and other commitments Line Items</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loancommitmentsgiven', window );">Loan commitments given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">43,008,000,000<span></span>
</td>
<td class="nump">46,011,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">247,000,000<span></span>
</td>
<td class="nump">295,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Othercommitmentsandguaranteesgiven', window );">Other commitments and guarantees given</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 193,000,000<span></span>
</td>
<td class="nump">&#8364; 151,000,000<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*) Non-performing financial </font>
          <font style="font-family:Arial;font-size:6pt;">guarantees given amounted to &#8364;702 million </font>
          <font style="font-family:Arial;font-size:6pt;">and &#8364;730 million, respectively, as of June 30, 2020 and December 31, 2019, respectively.</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialguaranteesgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial guarantees given by the Entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialguaranteesgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_LoancommitmentsfinancialguaranteesandothercommitmentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loancommitmentsgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loan commitments given by the Entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loancommitmentsgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Othercommitmentsandguaranteesgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of other financial guarantees given by the Entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Othercommitmentsandguaranteesgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalloancommitmentsandfinancialguarantees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of loan commitments and financial guarantees given.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalloancommitmentsandfinancialguarantees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_DefaultedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=bbva_DefaultedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_CentralbanksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=bbva_CentralbanksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=ifrs-full_GovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=ifrs-full_GovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_CreditinstitutionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=bbva_CreditinstitutionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_OtherfinancialcorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=bbva_OtherfinancialcorporationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_NonfinancialcorporationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=bbva_NonfinancialcorporationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_TypesOfCustomersAxis=bbva_HouseholdsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_TypesOfCustomersAxis=bbva_HouseholdsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<FILENAME>R152.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170593352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 32 - Interest Income and Expense - Interest Income Break Down By Origin (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomeandexpenseabstract', window );"><strong>Interest Income And Expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_InterestIncomeOnAvailableforsaleFinancialAssets', window );">Available-for-sale financial assets(Interest Income)</a></td>
<td class="nump">&#8364; 711,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">&#8364; 1,071,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialassetsatfairvaluethroughprofitandloss', window );">Financial Assets At Fair Value Through Profit And Loss</a></td>
<td class="nump">80,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">77,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomefinancialassetsatfairvaluethroughothercomprehensiveincome', window );">Interest Income Financial Assets At Fair Value Through Other Comprehensive Income</a></td>
<td class="nump">714,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">975,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FicnanciaAssetsAtAmortizedCost', window );">Financial Assets at Amortized Cost</a></td>
<td class="nump">11,031,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12,911,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomeoninsuranceactivity', window );">Insurance activity Interest Income (Interest Income)</a></td>
<td class="nump">477,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">493,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomeonadjustmentsofincomeasaresultofhedgingtransactions', window );">Adjustments of income as a result of hedging transactions (Interest Income)</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(38,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomeonotherincome', window );">Other Income Interest Income (Interest Income)</a></td>
<td class="nump">214,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">143,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RevenueFromInterest', window );">Total Interest Income (Income Statement)</a></td>
<td class="nump">&#8364; 13,228,000,000<span></span>
</td>
<td class="nump">&#8364; 15,633,000,000<span></span>
</td>
<td class="nump">&#8364; 15,633,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_FicnanciaAssetsAtAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of total interest income of Which Financial Assets at Amortized Cost</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_FicnanciaAssetsAtAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialassetsatfairvaluethroughprofitandloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialassetsatfairvaluethroughprofitandloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestincomeandexpenseabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestincomeandexpenseabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestincomefinancialassetsatfairvaluethroughothercomprehensiveincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestincomefinancialassetsatfairvaluethroughothercomprehensiveincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestincomeonadjustmentsofincomeasaresultofhedgingtransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of interest income on financial assets classified as held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestincomeonadjustmentsofincomeasaresultofhedgingtransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestincomeoninsuranceactivity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of interest income obtained from the insurance activity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestincomeoninsuranceactivity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestincomeonotherincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of interest income obtained from othe sources not disclosed before.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestincomeonotherincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_InterestIncomeOnAvailableforsaleFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of interest income on available-for-sale financial assets. [Refer: Interest income; Financial assets available-for-sale]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Note Expiry date 2021-01-01<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_112_c&amp;doctype=Standard&amp;forcepdf=true<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_InterestIncomeOnAvailableforsaleFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 12<br> -IssueDate 2019-01-01<br> -Paragraph B13<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=12&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_B13_e&amp;doctype=Appendix&amp;subtype=B<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<head>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174898424">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 32 - Interest Income and Expense - Interest Expense Break Down By Origin (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestincomeandexpenseabstract', window );"><strong>Interest Income And Expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestexpensesfinancialliabilitiesheldfortrading', window );">Interest Expenses Financial Liabilities Held For Trading</a></td>
<td class="nump">&#8364; 344,000,000<span></span>
</td>
<td class="nump">&#8364; 746,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestexpensefinancialliabilitiesatfairvaluethroughprofitorloss', window );">Interest Expense Financial Liabilities At Fair Value Through Profit Or Loss</a></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">3,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialliabilitiesatamortizedcost', window );">Financial Liabilities At Amortized Cost</a></td>
<td class="nump">3,891,000,000<span></span>
</td>
<td class="nump">5,613,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Costrectificationfromaccountinghedges', window );">Cost Rectification From Accounting Hedges</a></td>
<td class="num">(176,000,000)<span></span>
</td>
<td class="num">(136,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestexpenseoninsuranceactivity', window );">Insurance activity interest expense (Interest Expense)</a></td>
<td class="nump">324,000,000<span></span>
</td>
<td class="nump">338,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Costfrompensionsfunds', window );">Cost From Pensions Funds</a></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="nump">44,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interesteexpeneonotherexpense', window );">Other expenses interest expenses(Interest Expense)</a></td>
<td class="nump">125,000,000<span></span>
</td>
<td class="nump">82,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalinterestexpense', window );">Total Interest Expense</a></td>
<td class="nump">&#8364; 4,574,000,000<span></span>
</td>
<td class="nump">&#8364; 6,691,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Costfrompensionsfunds">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Costfrompensionsfunds</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Costrectificationfromaccountinghedges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Costrectificationfromaccountinghedges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialliabilitiesatamortizedcost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialliabilitiesatamortizedcost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interesteexpeneonotherexpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of interest expense obtained from othe sources not disclosed before.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interesteexpeneonotherexpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestexpensefinancialliabilitiesatfairvaluethroughprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestexpensefinancialliabilitiesatfairvaluethroughprofitorloss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestexpenseoninsuranceactivity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of interest expense obtained from the insurance activity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestexpenseoninsuranceactivity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestexpensesfinancialliabilitiesheldfortrading">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestexpensesfinancialliabilitiesheldfortrading</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestincomeandexpenseabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestincomeandexpenseabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalinterestexpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalinterestexpense</td>
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<td>bbva_</td>
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<td><strong> Balance Type:</strong></td>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170541720">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 33 - Dividend income (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DividensrevenueLineItems', window );"><strong>Dividens Revenue Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">&#8364; 77,000,000<span></span>
</td>
<td class="nump">&#8364; 103,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=bbva_FinancialassetsatfairvaluethroughprofitorlossnotclassifiedasheldfortradingMember', window );">Financial assets at fair value through profit or loss not classified as held for trading [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DividensrevenueLineItems', window );"><strong>Dividens Revenue Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">7,000,000<span></span>
</td>
<td class="nump">25,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember', window );">Financial Assets At Fair Value Through Other Comprehensive Income Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DividensrevenueLineItems', window );"><strong>Dividens Revenue Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RevenueFromDividends', window );">Dividend income</a></td>
<td class="nump">&#8364; 70,000,000<span></span>
</td>
<td class="nump">&#8364; 78,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DividensrevenueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DividensrevenueLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RevenueFromDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of dividends recognised as income. Dividends are distributions of profits to holders of equity investments in proportion to their holdings of a particular class of capital.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RevenueFromDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=bbva_FinancialassetsatfairvaluethroughprofitorlossnotclassifiedasheldfortradingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfAssetsAxis=ifrs-full_FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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</div>
</body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>172
<FILENAME>R155.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176506744">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 34 - Share of profit or loss of entities accounted for using the equity method (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethodAbstract', window );"><strong>Share of profit or loss of entities accounted for using the equity method</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod', window );">investments in entities accounted for using the equity method</a></td>
<td class="num">&#8364; (17,000,000)<span></span>
</td>
<td class="num">&#8364; (19,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entity's share of the profit (loss) of associates and joint ventures accounted for using the equity method. [Refer: Associates [member]; Investments accounted for using equity method; Joint ventures [member]; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 23<br> -Subparagraph g<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_23_g&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IFRS<br> -Number 8<br> -IssueDate 2019-01-01<br> -Paragraph 28<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=8&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_28_e&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Effective on first application of IFRS 9<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 39M<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_39M_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 82<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_82_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethodAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethodAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>173
<FILENAME>R156.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175550536">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 35 - Fee and commission income and expenses - Fee And Commission Income (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpenseAbstract', window );"><strong>Fee And Commission Income Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_BillsReceivablesFeeIncome', window );">Bills receivables</a></td>
<td class="nump">&#8364; 17,000,000<span></span>
</td>
<td class="nump">&#8364; 19,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Demandaccountsincome', window );">Demand Accounts</a></td>
<td class="nump">265,000,000<span></span>
</td>
<td class="nump">232,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CreditAndDebitCardsFeeIncome', window );">Credit and Debit Cards</a></td>
<td class="nump">1,123,000,000<span></span>
</td>
<td class="nump">1,538,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ChecksFeeIncome', window );">Checks</a></td>
<td class="nump">71,000,000<span></span>
</td>
<td class="nump">100,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_TransfersandotherpaymentordersFeeIncome', window );">Transfers and other payment orders Income</a></td>
<td class="nump">368,000,000<span></span>
</td>
<td class="nump">393,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_InsuranceProductCommissionsFeeIncome', window );">Insurance product commissions</a></td>
<td class="nump">76,000,000<span></span>
</td>
<td class="nump">90,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Loansgrantedpledges', window );">Loans Granted Pledges</a></td>
<td class="nump">69,000,000<span></span>
</td>
<td class="nump">60,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherpledgesandfinancialguarantees', window );">Other Pledges And Financial Guarantees</a></td>
<td class="nump">185,000,000<span></span>
</td>
<td class="nump">196,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_PortfolioAndOtherManagementFeeIncome', window );">Asset Management</a></td>
<td class="nump">582,000,000<span></span>
</td>
<td class="nump">511,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_BrokerageFeeIncome', window );">Securities fees</a></td>
<td class="nump">199,000,000<span></span>
</td>
<td class="nump">158,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_CustodySecuritiesFeeIncome', window );">Custody securities</a></td>
<td class="nump">73,000,000<span></span>
</td>
<td class="nump">59,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFeeAndCommissionIncome', window );">Other fee and commission income</a></td>
<td class="nump">297,000,000<span></span>
</td>
<td class="nump">303,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncome', window );">Total Fee And commission income (Income Statement)</a></td>
<td class="nump">&#8364; 3,325,000,000<span></span>
</td>
<td class="nump">&#8364; 3,661,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_BillsReceivablesFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee income associated to bills receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_BillsReceivablesFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_ChecksFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee income associated to checks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ChecksFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CreditAndDebitCardsFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee income associated to credit and debit cards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CreditAndDebitCardsFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_CustodySecuritiesFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee income associated to securities custody services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CustodySecuritiesFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Demandaccountsincome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Demandaccountsincome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InsuranceProductCommissionsFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee income associated to insurance products.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InsuranceProductCommissionsFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Loansgrantedpledges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Loansgrantedpledges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherpledgesandfinancialguarantees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherpledgesandfinancialguarantees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TransfersandotherpaymentordersFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee income associated to transfers and other payments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TransfersandotherpaymentordersFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_BrokerageFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised for brokerage fees charged by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_BrokerageFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income relating to fees and commissions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 85<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncomeExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncomeExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFeeAndCommissionIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee and commission income that the entity does not separately disclose in the same statement or note. [Refer: Fee and commission income]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFeeAndCommissionIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PortfolioAndOtherManagementFeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income recognised from portfolio and other management fees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PortfolioAndOtherManagementFeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>174
<FILENAME>R157.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175481096">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 35 - Fee and commission income and expenses - Fee And Commission Expense (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionIncomeExpenseAbstract', window );"><strong>Fee And Commission Income Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Demandaccountsexpenses', window );">DemandAccountsExpenses</a></td>
<td class="nump">&#8364; 11,000,000<span></span>
</td>
<td class="nump">&#8364; 18,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Creditanddebitcardsfeeexpense', window );">Credit and debit cards</a></td>
<td class="nump">621,000,000<span></span>
</td>
<td class="nump">798,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Transfersandotherpaymentordersfeeexpense', window );">Transfers and other payment orders Expenses</a></td>
<td class="nump">83,000,000<span></span>
</td>
<td class="nump">65,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Commissionsforsellinginsurancefeeexpense', window );">Commissions for selling insurance</a></td>
<td class="nump">25,000,000<span></span>
</td>
<td class="nump">26,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Securitiesadministrationandcustody', window );">SecuritiesAdministrationAndCustody</a></td>
<td class="nump">25,000,000<span></span>
</td>
<td class="nump">16,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherFeeAndCommissionExpense', window );">Other fee and commissions</a></td>
<td class="nump">259,000,000<span></span>
</td>
<td class="nump">268,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_FeeAndCommissionExpense', window );">Total Fee and commission expense (Income Statement)</a></td>
<td class="num">&#8364; (1,024,000,000)<span></span>
</td>
<td class="num">&#8364; (1,191,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Commissionsforsellinginsurancefeeexpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee expense associated to insurance products.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Commissionsforsellinginsurancefeeexpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Creditanddebitcardsfeeexpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee expense associated to credit and debit cards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Creditanddebitcardsfeeexpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Demandaccountsexpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Demandaccountsexpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Securitiesadministrationandcustody">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Securitiesadministrationandcustody</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Transfersandotherpaymentordersfeeexpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee expense associated to transfers and other payments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Transfersandotherpaymentordersfeeexpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense relating to fees and commissions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 85<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_FeeAndCommissionIncomeExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_FeeAndCommissionIncomeExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherFeeAndCommissionExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee and commission expense that the entity does not separately disclose in the same statement or note. [Refer: Fee and commission expense]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherFeeAndCommissionExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>175
<FILENAME>R158.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176432248">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 36 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences - Gains or losses on financial assets and liabilities and exchange differences. Breakdown by heading of the balance sheet (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesabstract', window );"><strong>Gains Or Losses on Financial Assets And Liabilities And Exchanges Differences</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet', window );">Total Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss net ( Income Statement)</a></td>
<td class="nump">&#8364; 229,000,000<span></span>
</td>
<td class="nump">&#8364; 67,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetavailableforsalefinancialassets', window );">Financial Assets At Fair Value Available-for-sale, gains (losses) on derecognition of financial instruments not measured at fair value</a></td>
<td class="nump">106,000,000<span></span>
</td>
<td class="nump">15,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetother', window );">Other, Gains or Losses arising from derecognition of financial assets measured at amortised cost</a></td>
<td class="nump">123,000,000<span></span>
</td>
<td class="nump">53,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonfinancialliabilitiesassetsatfairvaluethroughprofitorlossclassifiedasheldfortrading', window );">Gains or losses on financial assets and liabilities held for trading, net (Income Statement)</a></td>
<td class="nump">187,000,000<span></span>
</td>
<td class="nump">173,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonnontradingfinancialassetsatfairvaluethroughprofitorloss', window );">Gains losses on non trading financial assets at fair value through profit or loss</a></td>
<td class="nump">129,000,000<span></span>
</td>
<td class="nump">98,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonfinancialassetsliabilitiesatfairvaluethroughprofitorloss', window );">Gains or losses on financial assets and liabilities designated at fair value through profit or loss net (Income Statement)</a></td>
<td class="nump">205,000,000<span></span>
</td>
<td class="num">(3,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainsLossesOnHedgingInstrument', window );">Gains or losses from hedge accounting net (Income Statement)</a></td>
<td class="nump">41,000,000<span></span>
</td>
<td class="nump">73,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Subtotalgainsorlossesinfinancialassetsandliabilities', window );">Total Gains (losses) on financial assets and liabilities (net)</a></td>
<td class="nump">790,000,000<span></span>
</td>
<td class="nump">408,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss', window );">Exchange differences (Income Statement)</a></td>
<td class="nump">316,000,000<span></span>
</td>
<td class="nump">134,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences', window );">Total gains (losses) on financial instruments and exchange differences</a></td>
<td class="nump">&#8364; 1,107,000,000<span></span>
</td>
<td class="nump">&#8364; 542,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainslossesonfinancialassetsliabilitiesatfairvaluethroughprofitorloss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains or losses on financial assets (liabilities) classified at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainslossesonfinancialassetsliabilitiesatfairvaluethroughprofitorloss</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains or losses on financial assets (liabilities) classified as held for trading.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainslossesonnontradingfinancialassetsatfairvaluethroughprofitorloss</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains and losses arising fron derecognition of financial assets and liabilities not measured at fair value through profit or loss.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnet</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetavailableforsalefinancialassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains and losses arising fron derecognition of financial assets and liabilities not measured at fair value through profit or loss, available for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetavailableforsalefinancialassets</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetother">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains and losses arising fron derecognition of financial assets and liabilities not measured at fair value through profit or loss, other instruments not directly disclosed.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainsorlossesonderecognitionoffinancialassetsandliabilitiesnotmeasuredatfairvaluethroughprofitorlossnetother</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains and losses arising from the exchanges differences in financial assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferences</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Subtotalgainsorlossesinfinancialassetsandliabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains and losses arising from financial assets and liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Subtotalgainsorlossesinfinancialassetsandliabilities</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of exchange differences recognised in profit or loss that arise from foreign currency transactions, excluding those arising on financial instruments measured at fair value through profit or loss in accordance with IFRS 9. [Refer: At fair value [member]; Financial instruments, class [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Section A Statement of cash flows for an entity other than a financial institution<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;doctype=Illustrative%20Examples&amp;dita_xref=IAS07_IE_A_TI<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 21<br> -IssueDate 2019-01-01<br> -Paragraph 52<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=21&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_52_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsLossesOnHedgingInstrument">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gains (losses) on hedging instruments in fair value hedges. [Refer: Fair value hedges [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 24<br> -Subparagraph a<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_24_a_i&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsLossesOnHedgingInstrument</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664175946968">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 36 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences - Breakdown by nature of the financial instrument (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesinfinancialassetsandliabilities', window );">Equity Instruments, gains (losses) on financial instruments</a></td>
<td class="nump">&#8364; 790,000,000<span></span>
</td>
<td class="nump">&#8364; 408,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis=ifrs-full_DebtSecuritiesMember', window );">Debt Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesinfinancialassetsandliabilities', window );">Equity Instruments, gains (losses) on financial instruments</a></td>
<td class="nump">646,000,000<span></span>
</td>
<td class="nump">451,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis=bbva_EquityinstrumentsMember', window );">Equity instruments [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesinfinancialassetsandliabilities', window );">Equity Instruments, gains (losses) on financial instruments</a></td>
<td class="num">(1,374,000,000)<span></span>
</td>
<td class="nump">764,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis=ifrs-full_DerivativesMember', window );">Derivatives [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesinfinancialassetsandliabilities', window );">Equity Instruments, gains (losses) on financial instruments</a></td>
<td class="nump">1,384,000,000<span></span>
</td>
<td class="num">(653,000,000)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis=bbva_LoansandadvancesMember', window );">Loans and advances [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesinfinancialassetsandliabilities', window );">Equity Instruments, gains (losses) on financial instruments</a></td>
<td class="nump">119,000,000<span></span>
</td>
<td class="nump">92,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis=bbva_CustomerdepositsMember', window );">Customer Deposits [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesinfinancialassetsandliabilities', window );">Equity Instruments, gains (losses) on financial instruments</a></td>
<td class="num">(9,000,000)<span></span>
</td>
<td class="nump">32,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ClassesoffinancialinstrumentsgainsorlossesonfinancialassetsandliabilitiesandexchangesdifferencesbreakdownbyfinancialinstrumentAxis=bbva_OtherMember', window );">Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_GainsorlossesinfinancialassetsandliabilitiesbreakdownbyfinancialinstrumentLineItems', window );"><strong>Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsorlossesinfinancialassetsandliabilities', window );">Equity Instruments, gains (losses) on financial instruments</a></td>
<td class="nump">&#8364; 25,000,000<span></span>
</td>
<td class="num">&#8364; (277,000,000)<span></span>
</td>
</tr>
</table>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains and losses arising from financial assets and liabilities and exchange differences.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169803480">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 37 - Other operating income and expenses - Other Operating Income Explanatory (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherOperatingIncomeExpenseAbstract', window );"><strong>Other Operating Income and Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_FinancialIncomeFromNon-FinancialServices', window );">Financial income from non-financial services</a></td>
<td class="nump">&#8364; 115,000,000<span></span>
</td>
<td class="nump">&#8364; 129,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Ofwhichhiperinflationadjustments', window );">Hiperinflation Adjustments</a></td>
<td class="nump">39,000,000<span></span>
</td>
<td class="nump">63,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MiscellaneousOtherOperatingIncome', window );">Rest of other operating income</a></td>
<td class="nump">76,000,000<span></span>
</td>
<td class="nump">145,000,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherOperatingIncome', window );">Total Other operating income (Income Statement)</a></td>
<td class="nump">&#8364; 230,000,000<span></span>
</td>
<td class="nump">&#8364; 337,000,000<span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income associated to non-financial services</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income related to other sources of operating actvities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income related to other sources of operating actvities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOperatingIncomeExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MiscellaneousOtherOperatingIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of miscellaneous other operating income. [Refer: Other operating income (expense)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousOtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>178
<FILENAME>R161.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170845096">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 37 - Other operating income and expenses - Other Operating Expense Explanatory (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherOperatingIncomeExpenseAbstract', window );"><strong>Other Operating Income and Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Changeininvetories', window );">Change in inventories</a></td>
<td class="nump">&#8364; 55,000,000<span></span>
</td>
<td class="nump">&#8364; 59,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Ofwhichdepositsguaranteefund', window );">Deposits Guarantee Fund</a></td>
<td class="nump">397,000,000<span></span>
</td>
<td class="nump">353,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Ofwhichhiperinflationadjustmentsexpense', window );">Hiperinflation Adjustments Expense</a></td>
<td class="nump">161,000,000<span></span>
</td>
<td class="nump">249,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_MiscellaneousOtherOperatingExpense', window );">Rest of other operating expenses</a></td>
<td class="nump">235,000,000<span></span>
</td>
<td class="nump">334,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otheroperatingexpense', window );">Total Other operating expenses (Income Statement)</a></td>
<td class="num">&#8364; (848,000,000)<span></span>
</td>
<td class="num">&#8364; (995,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Changeininvetories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income or loss associated to the change in inventories.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Changeininvetories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Ofwhichdepositsguaranteefund">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Ofwhichdepositsguaranteefund</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Ofwhichhiperinflationadjustmentsexpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Ofwhichhiperinflationadjustmentsexpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherOperatingIncomeExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income related to other sources of operating actvities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherOperatingIncomeExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otheroperatingexpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses related to other sources of operating actvities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otheroperatingexpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_MiscellaneousOtherOperatingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of miscellaneous other operating expenses. [Refer: Other operating income (expense)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_MiscellaneousOtherOperatingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>179
<FILENAME>R162.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664223832936">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 38 - Insurance and reinsurance contracts income and expenses - Other operating income and expenses on insurance and reinsurance contracts (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract', window );"><strong>Insurance and Reinsurance Contracts Income and Expenses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_IncomeArisingFromInsuranceContracts', window );">Income on insurance and reinsurance contracts (Income Statement)</a></td>
<td class="nump">&#8364; 1,307,000,000<span></span>
</td>
<td class="nump">&#8364; 1,547,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ExpenseArisingFromInsuranceContracts', window );">Expenses on insurance and reinsurance contracts (Income Statement)</a></td>
<td class="num">(765,000,000)<span></span>
</td>
<td class="num">(983,000,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netincomearisingfrominsurancecontracts', window );">Total Net Income Arising from Insurance and Reinsurance Contracts</a></td>
<td class="nump">&#8364; 542,000,000<span></span>
</td>
<td class="nump">&#8364; 565,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Insuranceandreinsurancecontractsincomeandexpensesabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Netincomearisingfrominsurancecontracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net income or expenses associated to insurance contracts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Netincomearisingfrominsurancecontracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ExpenseArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from insurance contracts. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ExpenseArisingFromInsuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_IncomeArisingFromInsuranceContracts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of income arising from insurance contracts. [Refer: Types of insurance contracts [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 4<br> -IssueDate 2019-01-01<br> -Paragraph 37<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=4&amp;code=ifrs-tx-2019-en-b&amp;anchor=para_37_b&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_IncomeArisingFromInsuranceContracts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664169569576">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 39 - Administration Costs - Personnel Expenses Breakdown (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract', window );"><strong>Classes Of Employee Benefits Expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_WagesAndSalaries', window );">Wages And Salaries</a></td>
<td class="nump">&#8364; 2,225,027,000<span></span>
</td>
<td class="nump">&#8364; 2,434,567,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_SocialSecurityContributions', window );">Social Security Contributions</a></td>
<td class="nump">378,556,000<span></span>
</td>
<td class="nump">395,948,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset', window );">Employer contributions</a></td>
<td class="nump">49,000,000<span></span>
</td>
<td class="nump">55,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans', window );">Defined benefit plans</a></td>
<td class="nump">26,528,000<span></span>
</td>
<td class="nump">24,102,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherEmployeeExpense', window );">Other Employee Expense</a></td>
<td class="nump">194,999,000<span></span>
</td>
<td class="nump">221,710,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployeeBenefitsExpense', window );">Total Employee Benefits Expense</a></td>
<td class="num">&#8364; (2,875,000,000)<span></span>
</td>
<td class="num">&#8364; (3,131,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The decrease (increase) in net defined benefit liability (asset) resulting from contributions to a defined benefit plan by the employer. [Refer: Net defined benefit liability (asset); Defined benefit plans [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2019-01-01<br> -Paragraph 141<br> -Subparagraph f<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_141_f&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ContributionsToPlanByEmployerNetDefinedBenefitLiabilityAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EmployeeBenefitsExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The expense of all forms of consideration given by an entity in exchange for a service rendered by employees or for the termination of employment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 99<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 104<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_104&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EmployeeBenefitsExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherEmployeeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of employee expenses that the entity does not separately disclose in the same statement or note.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2019-01-01<br> -Paragraph 5<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherEmployeeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of post-employment benefit expense relating to defined benefit plans. [Refer: Defined benefit plans [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2019-01-01<br> -Paragraph 5<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_5&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_PostemploymentBenefitExpenseDefinedBenefitPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_SocialSecurityContributions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A class of employee benefits expense that represents social security contributions. [Refer: Employee benefits expense]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2019-01-01<br> -Paragraph 9<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_9&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_SocialSecurityContributions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_WagesAndSalaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A class of employee benefits expense that represents wages and salaries. [Refer: Employee benefits expense]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 19<br> -IssueDate 2019-01-01<br> -Paragraph 9<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=19&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_9&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_WagesAndSalaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>181
<FILENAME>R164.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664176453336">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 39 - Administration Costs - Other Administrative Expenses (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract', window );"><strong>Classes Of Employee Benefits Expense</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Technologyandsystems', window );">Technology And Systems</a></td>
<td class="nump">&#8364; 640,000,000<span></span>
</td>
<td class="nump">&#8364; 604,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CommunicationExpense', window );">CommunicationExpense</a></td>
<td class="nump">106,000,000<span></span>
</td>
<td class="nump">109,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdvertisingExpense', window );">Advertising Expense</a></td>
<td class="nump">121,000,000<span></span>
</td>
<td class="nump">158,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Propertyfixturesandmaterials', window );">Property Fixtures And Materials</a></td>
<td class="nump">248,000,000<span></span>
</td>
<td class="nump">266,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Ofwhichrentexpenses', window );">Of Which Rent Expenses</a></td>
<td class="nump">46,000,000<span></span>
</td>
<td class="nump">52,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Taxesotherthanincometax', window );">Taxes Other Than Income Tax</a></td>
<td class="nump">199,000,000<span></span>
</td>
<td class="nump">203,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fundstransportmonitoringandsecurity', window );">Funds Transport Monitoring And Security</a></td>
<td class="nump">84,000,000<span></span>
</td>
<td class="nump">92,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_OtherExpenseByNature', window );">Other Expense By Nature</a></td>
<td class="nump">474,000,000<span></span>
</td>
<td class="nump">521,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdministrativeExpense', window );">Total Administrative Expense</a></td>
<td class="num">&#8364; (1,872,000,000)<span></span>
</td>
<td class="num">&#8364; (1,953,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fundstransportmonitoringandsecurity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fundstransportmonitoringandsecurity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Ofwhichrentexpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses associated to property fictures and materials for rentred properties</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Ofwhichrentexpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Propertyfixturesandmaterials">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses associated to property fictures and materials.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Propertyfixturesandmaterials</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Taxesotherthanincometax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses associated to other taxes than income tax.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Taxesotherthanincometax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Technologyandsystems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses associated to Technology and systems.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Technologyandsystems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdministrativeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses that the entity classifies as being administrative.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2019-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause vi<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35_b_vi&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 103<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_103&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 99<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdministrativeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdvertisingExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from advertising.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdvertisingExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ClassesOfEmployeeBenefitsExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CommunicationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense arising from communication.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 112<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_112_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CommunicationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_OtherExpenseByNature">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses that the entity does not separately disclose in the same statement or note when the entity uses the 'nature of expense' form for its analysis of expenses. [Refer: Expenses, by nature]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 102<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_102&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 99<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_OtherExpenseByNature</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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</table>
</div>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197230040">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 40 - Depreciation (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciationandamortisationexpenseLineItems', window );"><strong>Depreciation And Amortisation Expense Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense', window );">Depreciation and amortization</a></td>
<td class="nump">&#8364; 766,000,000<span></span>
</td>
<td class="nump">&#8364; 790,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciableassetsaxisAxis=bbva_TangibleAssetsMember', window );">Tangible assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciationandamortisationexpenseLineItems', window );"><strong>Depreciation And Amortisation Expense Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense', window );">Depreciation and amortization</a></td>
<td class="nump">456,000,000<span></span>
</td>
<td class="nump">488,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciableassetsaxisAxis=bbva_ForownuseDepreciableAssetsMember', window );">For Own Use Depreciable Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciationandamortisationexpenseLineItems', window );"><strong>Depreciation And Amortisation Expense Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense', window );">Depreciation and amortization</a></td>
<td class="nump">266,000,000<span></span>
</td>
<td class="nump">294,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciableassetsaxisAxis=bbva_AssetuserightMember', window );">Asset Use Right [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciationandamortisationexpenseLineItems', window );"><strong>Depreciation And Amortisation Expense Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense', window );">Depreciation and amortization</a></td>
<td class="nump">188,000,000<span></span>
</td>
<td class="nump">192,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciableassetsaxisAxis=ifrs-full_OtherIntangibleAssetsMember', window );">Intangible Assets [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DepreciationandamortisationexpenseLineItems', window );"><strong>Depreciation And Amortisation Expense Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense', window );">Depreciation and amortization</a></td>
<td class="nump">&#8364; 310,000,000<span></span>
</td>
<td class="nump">&#8364; 302,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepreciationandamortisationexpenseLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepreciationandamortisationexpenseLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Adjustments for depreciation and amortisation expense to reconcile profit (loss) to net cash flow from (used in) operating activities. [Refer: Depreciation and amortisation expense; Profit (loss)]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=7&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_20_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_AdjustmentsForDepreciationAndAmortisationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepreciableassetsaxisAxis=bbva_TangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepreciableassetsaxisAxis=bbva_TangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepreciableassetsaxisAxis=bbva_ForownuseDepreciableAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepreciableassetsaxisAxis=bbva_ForownuseDepreciableAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepreciableassetsaxisAxis=bbva_AssetuserightMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepreciableassetsaxisAxis=bbva_AssetuserightMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_DepreciableassetsaxisAxis=ifrs-full_OtherIntangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DepreciableassetsaxisAxis=ifrs-full_OtherIntangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>183
<FILENAME>R166.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197403672">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 41 - Provisions or reversal provisions (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ProvisionsAbstract', window );"><strong>Provisions or reversal of provisions Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions', window );">Pensions and other post employment defined benefit obligations</a></td>
<td class="nump">&#8364; 145,000,000<span></span>
</td>
<td class="nump">&#8364; 127,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Commitmentsandguaranteesgiven', window );">Commitments and guarantees given</a></td>
<td class="nump">106,000,000<span></span>
</td>
<td class="nump">7,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Pendinglegalissuesandtaxlitigation', window );">Pending legal issues and tax litigation</a></td>
<td class="nump">199,000,000<span></span>
</td>
<td class="nump">75,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Otherprovisionsorreversalofprovisions', window );">Other Provisions Or Reversal Provisions</a></td>
<td class="nump">90,000,000<span></span>
</td>
<td class="nump">51,000,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalprovisionsorreversalofprovisions', window );">Total Provisions</a></td>
<td class="num">&#8364; (541,000,000)<span></span>
</td>
<td class="num">&#8364; (261,000,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Commitmentsandguaranteesgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses associated to provisions for commitments and guarantees given.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Commitmentsandguaranteesgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Otherprovisionsorreversalofprovisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses associated to other provisions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Otherprovisionsorreversalofprovisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Pendinglegalissuesandtaxlitigation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expenses associated to provisions for pending legal issues and tax litigation</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Pendinglegalissuesandtaxlitigation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of provisions recognized in the income statement related to benefit commitments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Pensionsandotherpostemploymentdefinedbenefitobligationsprovisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalprovisionsorreversalofprovisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of expenses associated to provisions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalprovisionsorreversalofprovisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ProvisionsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ProvisionsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>184
<FILENAME>R167.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170548328">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Note 42 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossabstract', window );"><strong>Impairment or reversal of impairment on financial assets not measured at fair value through profir or loss</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentfinancialassetsmeasuredatcost', window );">Financial assets measured at cost, impairment or reversal of impairment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">&#8364; 70,762,000<span></span>
</td>
<td class="nump">&#8364; 4,560,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentfinancialassetsatamortisedcost', window );">Financial Assets At Amortized Cost</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">4,075,306,000<span></span>
</td>
<td class="nump">1,726,872,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff', window );">Recovery of written-off assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(144,623,000)<span></span>
</td>
<td class="num">(534,130,000)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossOnFinancialAssets', window );">Total impairment or reversal of impairment on financial assets not measured at fair value through profit or loss</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">&#8364; (4,146,000,000)<span></span>
</td>
<td class="num">&#8364; (1,731,000,000)<span></span>
</td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(*)  </font>
          <font style="font-family:Arial;font-size:6pt;">As of June 30, 2020 th</font>
          <font style="font-family:Arial;font-size:6pt;">e amount includes mainly the negative impact of the update of the macroeconomic scenario following the COVID-19 pandemic (see Notes 1.5 and 6.2).</font>
        </p>
      </div></td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentfinancialassetsatamortisedcost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of impairment losses on loans and advances. The amount of financial assets at fair value throught other comprehensive income, corresponding to financial assets at amortized cost. Included in impairment or reversal of impairment on financial assets notmeasured at fair value throught profit or loss</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentfinancialassetsatamortisedcost</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentfinancialassetsmeasuredatcost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of impairment losses on assets measured at cost.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentfinancialassetsmeasuredatcost</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentorreversalofimpairmentonfinancialassetsnotmeasuredatfairvaluethroughprofitorlossabstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gain on the recovery of loans and advances previously written off.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 85<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_85&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossOnFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss on financial assets. [Refer: Financial assets; Impairment loss]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Note Expiry date 2021-01-01<br> -Name IFRS<br> -Number 7<br> -IssueDate 2019-01-01<br> -Paragraph 20<br> -Subparagraph e<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=7&amp;code=ifrs-tx-2017-en-b&amp;anchor=para_20_e&amp;doctype=Standard&amp;book=b<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossOnFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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</DOCUMENT>
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664173509032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 44 - Impairment or reversal of impairment on non-financial assets (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentorreversalofimpairmentonnonfinancialassetsabstract', window );"><strong>Impairment or reversal of impairment on non-financial assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmenttangibleassets', window );">Tangible assets, impairment or reversal of impairment</a></td>
<td class="num">&#8364; (62,000,000)<span></span>
</td>
<td class="num">&#8364; (30,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentintangibleassets', window );">Intangible assets, impairment or reversal of impairment</a></td>
<td class="num">(2,087,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Impairmentothernonfinancialassets', window );">Other non-financial assets, impairment or reversal of impairment</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(13,000,000)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss', window );">Total impairment (reversal of impairment) of non-financial assets</a></td>
<td class="nump">&#8364; 2,149,000,000<span></span>
</td>
<td class="nump">&#8364; 44,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentintangibleassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of impairment losses on intangible assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentintangibleassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentorreversalofimpairmentonnonfinancialassetsabstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentorreversalofimpairmentonnonfinancialassetsabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmentothernonfinancialassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The decrease or increase in the gross value of the assets obtained by taking possession of collaterall or calling on other credit enhancements of distressed customers due to other activities not disclosed in the categories before.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmentothernonfinancialassets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Impairmenttangibleassets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of impairment losses on tangible assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Impairmenttangibleassets</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of impairment loss or reversal of impairment loss recognised in profit or loss. [Refer: Impairment loss recognised in profit or loss; Reversal of impairment loss recognised in profit or loss]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 99<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_99&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664197292728">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 45 - Gains (losses) on derecognition of non financial assets and subsidiaries, net (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetabstract', window );"><strong>Gains (losses) on derecognition of non financial assets and subsidiaries, net</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsondisposalsofsubsidiaries', window );">Gains On Disposals Of Investment in Subsidiaries</a></td>
<td class="nump">&#8364; 1,000,000<span></span>
</td>
<td class="nump">&#8364; 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment', window );">Gains On Disposals Of Property Plant And Equipment</a></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">13,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Lossesondisposalsofsubsidiaries', window );">Losses On Disposals Of Investment in Subsidiaries</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LossesOnDisposalsOfPropertyPlantAndEquipment', window );">Losses On Disposals Of Property Plant And Equipment</a></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(6,000,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Gainsondisposalsoftangibleassetsandother', window );">Total Disposal of tangible assets and other, gains</a></td>
<td class="nump">&#8364; 4,000,000<span></span>
</td>
<td class="nump">&#8364; 8,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetabstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainslossesonderecognitionofnonfinancialassetsandsubsidiariesnetabstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Period Type:</strong></td>
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</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsondisposalsofsubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of gains on disposal of subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Gainsondisposalsoftangibleassetsandother">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of gains obtained in the disposal of tangible assets and other.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Gainsondisposalsoftangibleassetsandother</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Lossesondisposalsofsubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of losses on disposal of subsidiaries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Lossesondisposalsofsubsidiaries</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The gain on the disposal of property, plant and equipment. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 98<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_98_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_GainsOnDisposalsOfPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LossesOnDisposalsOfPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The losses on the disposal of property, plant and equipment. [Refer: Property, plant and equipment]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 98<br> -Subparagraph c<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_98_c&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LossesOnDisposalsOfPropertyPlantAndEquipment</td>
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<tr>
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</DOCUMENT>
<DOCUMENT>
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664251780344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 46 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsabstrac', window );"><strong>Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Netgainslossonsales', window );">Net Gains Loss On Real State Sales</a></td>
<td class="nump">&#8364; 44,000,000<span></span>
</td>
<td class="nump">&#8364; 26,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_ImpairmentLoss', window );">Non Current Assets On Sale Impairment loss</a></td>
<td class="num">(53,000,000)<span></span>
</td>
<td class="num">(15,000,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations', window );">Total Profit or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations</a></td>
<td class="num">&#8364; (9,000,000)<span></span>
</td>
<td class="nump">&#8364; 11,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Netgainslossonsales">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net gains or losses on disposal of tangible and intangible assets</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsabstrac">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Profitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperationsabstrac</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net gains or losses on disposal of non-current assets classified as held for sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Totalprofitorlossfromnoncurrentassetsanddisposalgroupsclassifiedasheldforsalenotqualifyingasdiscontinuedoperations</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_ImpairmentLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount recognised as a reduction of the carrying amount of an asset or cash-generating unit to its recoverable amount. [Refer: Carrying amount [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 130<br> -Subparagraph b<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_130_b&amp;doctype=Standard<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 36<br> -IssueDate 2019-01-01<br> -Paragraph 130<br> -Subparagraph d<br> -Clause ii<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=36&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_130_d_ii&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_ImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664168992264">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note 47 - Related-Party Transactions - Balances Arising From Transactions With Entities Of The Group (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Dec. 31, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure Of Transactions Between Related Parties Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToBanks', window );">Loans and advances to banks</a></td>
<td class="nump">&#8364; 14,842,000,000<span></span>
</td>
<td class="nump">&#8364; 13,649,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and Advances to customers</a></td>
<td class="nump">387,212,000,000<span></span>
</td>
<td class="nump">382,360,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">32,356,000,000<span></span>
</td>
<td class="nump">28,751,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">402,184,000,000<span></span>
</td>
<td class="nump">384,219,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">64,421,000,000<span></span>
</td>
<td class="nump">63,963,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Contingentcommitments', window );">Contingent Commitments</a></td>
<td class="nump">38,563,000,000<span></span>
</td>
<td class="nump">39,209,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="nump">10,989,000,000<span></span>
</td>
<td class="nump">10,984,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=bbva_AssetsMember', window );">Assets Member [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure Of Transactions Between Related Parties Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToBanks', window );">Loans and advances to banks</a></td>
<td class="nump">61,000,000<span></span>
</td>
<td class="nump">26,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_LoansAndAdvancesToCustomers', window );">Loans and Advances to customers</a></td>
<td class="nump">1,909,000,000<span></span>
</td>
<td class="nump">1,682,000,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_LiabilitiesMember', window );">Liabilities Member</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure Of Transactions Between Related Parties Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromBanks', window );">Deposits from credit institutions</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">3,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DepositsFromCustomers', window );">Customer deposits</a></td>
<td class="nump">859,000,000<span></span>
</td>
<td class="nump">453,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DebtSecurities', window );">Debt certificates, at amortized cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_CategoriesOfRelatedPartiesAxis=bbva_MemorandumaccountsMember', window );">Memorandum Accounts [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems', window );"><strong>Disclosure Of Transactions Between Related Parties Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Contingentcommitments', window );">Contingent Commitments</a></td>
<td class="nump">156,000,000<span></span>
</td>
<td class="nump">166,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_OtherAccounts', window );">Other Commitments Given</a></td>
<td class="nump">1,397,000,000<span></span>
</td>
<td class="nump">1,042,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Financialguaranteesgiven', window );">Financial guarantees given</a></td>
<td class="nump">&#8364; 50,000,000<span></span>
</td>
<td class="nump">&#8364; 106,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Contingentcommitments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of contractual undiscounted cash flows for gross commitments to receive a loan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Contingentcommitments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Financialguaranteesgiven">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of financial guarantees given by the Entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Financialguaranteesgiven</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_OtherAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_OtherAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DebtSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of instruments issued by the entity that represent indebtedness.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DebtSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from banks held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DepositsFromCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of deposit liabilities from customers held by the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DepositsFromCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes of the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_DisclosureOfTransactionsBetweenRelatedPartiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to banks.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_LoansAndAdvancesToCustomers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of loans and advances the entity has made to customers.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name IAS<br> -Number 1<br> -IssueDate 2019-01-01<br> -Paragraph 55<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=1&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_55&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_LoansAndAdvancesToCustomers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=bbva_AssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=bbva_AssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_LiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=ifrs-full_LiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_CategoriesOfRelatedPartiesAxis=bbva_MemorandumaccountsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_CategoriesOfRelatedPartiesAxis=bbva_MemorandumaccountsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>189
<FILENAME>R172.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664174809944">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 47 - Related-Party Transactions - Balance Of Income Statement Arising From Transactions With Entities Of The Group (Details) - EUR (&#8364;)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Jun. 30, 2020</div></th>
<th class="th"><div>Jun. 30, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_RelatedPartyTransactionsAbstract', window );"><strong>Related Party Transactions Abstract</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_InterestincomeandothersimilarinterestIncomes', window );">Interest Income And Other Similar Interest Incomes</a></td>
<td class="nump">&#8364; 9,000,000<span></span>
</td>
<td class="nump">&#8364; 26,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Interestexpensesfromoperationswithgroupentities', window );">Interest Expenses From Operations With Group Entities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Feeandcommissionincomegroupentities', window );">Fee And Commission Income</a></td>
<td class="nump">3,000,000<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Feeandcommissionexpensegroupentities', window );">Fee And Commission Expense</a></td>
<td class="nump">&#8364; 19,000,000<span></span>
</td>
<td class="nump">&#8364; 14,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Feeandcommissionexpensegroupentities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee and commission expense arising from group entities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Feeandcommissionexpensegroupentities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Feeandcommissionincomegroupentities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of fee and commission income arising from group entities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Feeandcommissionincomegroupentities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Interestexpensesfromoperationswithgroupentities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Interestexpensesfromoperationswithgroupentities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_InterestincomeandothersimilarinterestIncomes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_InterestincomeandothersimilarinterestIncomes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_RelatedPartyTransactionsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_RelatedPartyTransactionsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ifrs-full_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>190
<FILENAME>R173.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664165242472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management - Remuneration For Non Executive Directors (Details)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr><th class="th" colspan="2">
<div>Jun. 30, 2020 </div>
<div>EUR (&#8364;)</div>
</th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">&#8364; 64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">28,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">33,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">36,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">58,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">25,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">244,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">83,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">83,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">53,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member] | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">284,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">43,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">18,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">11,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_RaulgalambadeoliveiraMember', window );">Raul Galamba De Oliveira [Member] | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">71,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">33,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">54,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">23,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">174,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">21,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">86,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">33,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">21,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">119,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">83,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">23,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">171,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">33,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">21,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member] | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">119,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">107,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">23,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">21,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">40,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">256,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">32,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">18,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember', window );">Ana Revenga Shanklin [Member] | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">50,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">83,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">53,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">23,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">224,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">32,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">7,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember', window );">Carlos Salazar Lomelin [Member] | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">39,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">64,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">7,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">21,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member] | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">93,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Board Of Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">751,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Executie Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">278,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Audit And Compliance Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">215,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Risk Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">285,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Remuneration Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">111,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Appointments Committee</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">150,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Technology And Cybersecurity Committe</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">75,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Other [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">65,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1],[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors | Directors Remuneration Expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems', window );"><strong>Explanatory Remuneration Of Non Executive Directors Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_KeyManagementPersonnelCompensation', window );">Total Remuneration Non Executive Directors</a></td>
<td class="nump">&#8364; 1,930,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1)    Amounts received during the first </font>
          <font style="font-family:Arial;font-size:6pt;">half</font>
          <font style="font-family:Arial;font-size:6pt;"> of 2020 by Jos&#233; Miguel Andr&#233;s Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by Juan Pi Llorens, in his capacity as Lead Director.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(2</font>
          <font style="font-family:Arial;font-size:6pt;">)    </font>
          <font style="font-family:Arial;font-size:6pt;">Directors appointed by the General Meeting </font>
          <font style="font-family:Arial;font-size:6pt;">held on 13 March 2020. Remunerations paid based on the date on which the position was accepted.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(</font>
          <font style="font-family:Arial;font-size:6pt;">3)    Including </font>
          <font style="font-family:Arial;font-size:6pt;">the amounts corresponding to the position</font>
          <font style="font-family:Arial;font-size:6pt;">s</font>
          <font style="font-family:Arial;font-size:6pt;"> of </font>
          <font style="font-family:Arial;font-size:6pt;">the </font>
          <font style="font-family:Arial;font-size:6pt;">member of the Board and of the various committees during the first </font>
          <font style="font-family:Arial;font-size:6pt;">half</font>
          <font style="font-family:Arial;font-size:6pt;"> of </font>
          <font style="font-family:Arial;font-size:6pt;">the </font>
          <font style="font-family:Arial;font-size:6pt;">2020 financial</font>
          <font style="font-family:Arial;font-size:6pt;"> year</font>
          <font style="font-family:Arial;font-size:6pt;">. </font>
          <font style="font-family:Arial;font-size:6pt;">The composition of these committees was amended by agreement of the Board of Directors </font>
          <font style="font-family:Arial;font-size:6pt;">dated 29 April</font>
          <font style="font-family:Arial;font-size:6pt;"> 2020</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
        </p>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">In addition, Tom&#225;s Alfaro Drake and Carlos Loring Mart&#237;nez de Irujo, who left their roles as directors on 13 March 2020, received a total of </font>
          <font style="font-family:Arial;font-size:6pt;">&#8364;</font>
          <font style="font-family:Arial;font-size:6pt;">54 thousand and </font>
          <font style="font-family:Arial;font-size:6pt;">&#8364;</font>
          <font style="font-family:Arial;font-size:6pt;">111 thousand, respectively, for their membership of the Board and </font>
          <font style="font-family:Arial;font-size:6pt;">to </font>
          <font style="font-family:Arial;font-size:6pt;">the various Board Comm</font>
          <font style="font-family:Arial;font-size:6pt;">ittees during the first </font>
          <font style="font-family:Arial;font-size:6pt;">quarter of the financial year.</font>
        </p>
      </div></td>
</tr>
</table></td></tr>
</table>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_DisclosureremunerationofnonexecutivedirectorsreceivedLineItems</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of compensation to key management personnel. [Refer: Key management personnel of entity or parent [member]]</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 24<br> -IssueDate 2019-01-01<br> -Paragraph 17<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=24&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_17&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_KeyManagementPersonnelCompensation</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_JosemiguelandrestorrecillasMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td style="white-space:nowrap;">bbva_CommitteeconceptaxisAxis=bbva_BoardofdirectorsMember</td>
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<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CommitteeconceptaxisAxis=bbva_ExecutiecommitteeMember</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CommitteeconceptaxisAxis=bbva_AuditandcompliancecommitteeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CommitteeconceptaxisAxis=bbva_RiskcommitteeMember</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_CommitteeconceptaxisAxis=bbva_RemunerationcommitteMember</td>
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<td style="white-space:nowrap;">bbva_CommitteeconceptaxisAxis=bbva_AppointmentscommitteMember</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_BelengarijolopezMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_SunirkumarkapoorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_SunirkumarkapoorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_LourdesmaizcarroMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_LourdesmaizcarroMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_JosemaldonadoramosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_JosemaldonadoramosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_AnaperaltamorenoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_AnaperaltamorenoMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_JuanpillorensMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_JuanpillorensMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_AnarevengashanklinMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_AnarevengashanklinMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_SusanarodriguezvidarteMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_CarlossalazarlomelinMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_JanverplanckeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_JanverplanckeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_NameaxisAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664170191816">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Nota 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management - Remuneration For Executive Directors (Details)<br></strong></div></th>
<th class="th" colspan="2">
<div>Jun. 30, 2020 </div>
<div>EUR (&#8364;) </div>
<div>shares</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_GroupexecutivechairmanMember', window );">Group Executive Chairman | Executive directors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fixedremuneration', window );">Fixed remuneration</a></td>
<td class="nump">&#8364; 1,227,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_GroupexecutivechairmanMember', window );">Group Executive Chairman | Executive directors [Member] | In Cash [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Variableremuneration', window );">Variable remuneration</a></td>
<td class="nump">&#8364; 1,292,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_GroupexecutivechairmanMember', window );">Group Executive Chairman | Executive directors [Member] | In Shares [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Vaqriableremunerationinshares', window );">Variable Remuneration In Shares | shares</a></td>
<td class="nump">215,628<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_CeoMember', window );">CEO Member | Executive directors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fixedremuneration', window );">Fixed remuneration</a></td>
<td class="nump">&#8364; 1,090,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_CeoMember', window );">CEO Member | Executive directors [Member] | In Cash [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Variableremuneration', window );">Variable remuneration</a></td>
<td class="nump">&#8364; 775,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_CeoMember', window );">CEO Member | Executive directors [Member] | In Shares [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Vaqriableremunerationinshares', window );">Variable Remuneration In Shares | shares</a></td>
<td class="nump">144,578<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalMember', window );">Total | Executive directors [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fixedremuneration', window );">Fixed remuneration</a></td>
<td class="nump">&#8364; 2,316,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalMember', window );">Total | Executive directors [Member] | In Cash [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Variableremuneration', window );">Variable remuneration</a></td>
<td class="nump">&#8364; 2,067,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalMember', window );">Total | Executive directors [Member] | In Shares [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Vaqriableremunerationinshares', window );">Variable Remuneration In Shares | shares</a></td>
<td class="nump">360,206<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalSeniorManagementMember', window );">Total Retirement Commitments Senior Management [Member] | Members of the senior management [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fixedremuneration', window );">Fixed remuneration</a></td>
<td class="nump">&#8364; 7,444,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalSeniorManagementMember', window );">Total Retirement Commitments Senior Management [Member] | Members of the senior management [Member] | In Cash [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Variableremuneration', window );">Variable remuneration</a></td>
<td class="nump">&#8364; 2,832,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalSeniorManagementMember', window );">Total Retirement Commitments Senior Management [Member] | Members of the senior management [Member] | In Shares [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationandotherbenefitsreceivedLineItems', window );"><strong>Remuneration And Other Benefits Received Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Vaqriableremunerationinshares', window );">Variable Remuneration In Shares | shares</a></td>
<td class="nump">465,709<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) </font>
          <font style="font-family:Arial;font-size:6pt;">Remuneration corresponding to the upfront portion (40%) of the Annual Variable Remuneration (AVR) for the 2019 financial year and to the deferred AVR for the 2016 financial year to be paid in 2020, along with its up</font>
          <font style="font-family:Arial;font-size:6pt;">date in cash. The deferred AVR for the 2016 financial year of the Chairman and the Chief Executive Officer is associated with their previous roles as Chief Executive Officer and President &amp; CEO of BBVA Compass (now BBVA USA), respectively.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;"> (1</font>
          <font style="font-family:Arial;font-size:6pt;">) In </font>
          <font style="font-family:Arial;font-size:6pt;">addition, in accordance with the current Remuneration Policy for BBVA Directors, during the first half of the 2020 financial year, the Chief Executive Officer received &#8364;327 thousand as cash in lieu of pension and &#8364;300 thousand as a mobility</font>
          <font style="font-family:Arial;font-size:6pt;"> allowance</font>
          <font style="font-family:Arial;font-size:6pt;">.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[3]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) Remuneration corresponding to the upfront portion (40%) of the A</font>
          <font style="font-family:Arial;font-size:6pt;">VR for the 2019 financial year </font>
          <font style="font-family:Arial;font-size:6pt;">and, in the case of members who were beneficiaries, </font>
          <font style="font-family:Arial;font-size:6pt;">to the deferred AVR for the 2016 financial year to be paid in 2020, along with its update in cash. For those members of Senior Management appointed by the Board of Directors </font>
          <font style="font-family:Arial;font-size:6pt;">during the 2019</font>
          <font style="font-family:Arial;font-size:6pt;"> financial year, the remuneration included relates to their previou</font>
          <font style="font-family:Arial;font-size:6pt;">s positions.</font>
        </p>
      </div></td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fixedremuneration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the fixed part of the remuneration received by the different type of qualified personalities of the company</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fixedremuneration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationandotherbenefitsreceivedLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_RemunerationandotherbenefitsreceivedLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Vaqriableremunerationinshares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of shares corresponding to the variable part of the remuneration received by the different type of qualified personalities of the company</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Vaqriableremunerationinshares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Variableremuneration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of the variable part of the remuneration received by the different type of qualified personalities of the company</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Variableremuneration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_GroupexecutivechairmanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_RemunerationandotherbenefitsreceivedAxis=bbva_GroupexecutivechairmanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofcomiteeconceptAxis=bbva_ExecutivedirectorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcomiteeconceptAxis=bbva_ExecutivedirectorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofremunerationaxisAxis=bbva_IncashMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofremunerationaxisAxis=bbva_IncashMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofremunerationaxisAxis=bbva_InsharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofremunerationaxisAxis=bbva_InsharesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_CeoMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_RemunerationandotherbenefitsreceivedAxis=bbva_CeoMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalSeniorManagementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_RemunerationandotherbenefitsreceivedAxis=bbva_TotalSeniorManagementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofcomiteeconceptAxis=bbva_MembersoftheseniormanagementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofcomiteeconceptAxis=bbva_MembersoftheseniormanagementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664165210792">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note 48 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management - Number Of Shares (Details)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr><th class="th" colspan="2">
<div>Jun. 30, 2020 </div>
<div>shares</div>
</th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_JosemiguelandrestorrecillasMember', window );">Jose Miguel Andres Torrecillas</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">20,252<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">75,912<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_JaimefelixcaruanalacorteMember', window );">Jaime Felix Caruana Lacorte [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">22,067<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">31,387<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_BelengarijolopezMember', window );">Belen Garijo Lopez</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">14,598<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">62,126<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_SunirkumarkapoorMember', window );">Sunir Kumar Kapoor</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">7,189<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">22,915<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_LourdesmaizcarroMember', window );">Lourdes Maiz Carro</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">10,609<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">44,929<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_JosemaldonadoramosMember', window );">Jose Maldonado Ramos</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">14,245<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">108,568<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_AnaperaltamorenoMember', window );">Ana Peralta Moreno [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">10,041<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">15,665<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_JuanpillorensMember', window );">Juan Pi Llorens</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">20,676<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">92,817<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_SusanarodriguezvidarteMember', window );">Susana Rodriguez Vidarte</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">18,724<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">141,138<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_JanverplanckeMember', window );">Jan Verplancke [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">7,189<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">12,392<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_RemunerationfornonexecutivedirectorsnumberofsharesAxis=bbva_TotalRemunerationForNonExecutiveDirectorsMember', window );">Total remuneration for non executive directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_ExplanatorynumberofsharesLineItems', window );"><strong>Explanatory Number Of Shares Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement', window );">Number Of Instruments Granted In Share based Payment Arrangement</a></td>
<td class="nump">145,590<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Numberofoutstandingshares', window );">Number Of Outstanding Share Options</a></td>
<td class="nump">607,849<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) </font>
          <font style="font-family:Arial;font-size:6pt;">Contributions registered to fulfil the proportion of pension commitments undertaken with the executive directors corresponding to the first half of the 2020 </font>
          <font style="font-family:Arial;font-size:6pt;">financial year. In the case of the Chairman, these correspond to the sum of the annual contribution to cover retirement benefits and the adjustment made to the discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial y</font>
          <font style="font-family:Arial;font-size:6pt;">ear once the AVR for the year 2019 had been determined and to the death and disability premiums. For the Chief Executive Officer, the contributions registered correspond exclusively to the proportion of the premiums for death and disability given that, in </font>
          <font style="font-family:Arial;font-size:6pt;">his case, no commitments were made for the retirement benefit.</font>
        </p>
      </div></td>
</tr></table></td></tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_ExplanatorynumberofsharesLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of sharess outstanding at a given time. The total number of theoretical shares accumulated derived from the remuneration system with deferred delivery of shares for the non-executive directors</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Numberofoutstandingshares</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of instruments granted in share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2019-01-01<br> -Paragraph IG23<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_IG23&amp;doctype=Implementation%20Guidance<br> -URIDate 2019-03-27<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Name IFRS<br> -Number 2<br> -IssueDate 2019-01-01<br> -Paragraph 45<br> -Subparagraph a<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IFRS&amp;num=2&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_45_a&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_NumberOfInstrumentsGrantedInSharebasedPaymentArrangement</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139664165209112">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Nota 48 - Remuneration And Other Benefits Received ByThe Board Of Directors And Members Of The Bank's Senior Management - Pension Commitments (Details)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr><th class="th" colspan="2">
<div>Jun. 30, 2020 </div>
<div>EUR (&#8364;)</div>
</th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=srt_PresidentMember', window );">President</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fundsaccumulated', window );">Funds Accumulated</a></td>
<td class="nump">&#8364; 21,353,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=srt_PresidentMember', window );">President | Retirement [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployerContributions', window );">Employer Contributions</a></td>
<td class="nump">836,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=srt_PresidentMember', window );">President | Demise Or Disability [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployerContributions', window );">Employer Contributions</a></td>
<td class="nump">189,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_ManagingdirectorMember', window );">Managing Director [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fundsaccumulated', window );">Funds Accumulated</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_ManagingdirectorMember', window );">Managing Director [Member] | Retirement [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployerContributions', window );">Employer Contributions</a></td>
<td class="nump">0<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_ManagingdirectorMember', window );">Managing Director [Member] | Demise Or Disability [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployerContributions', window );">Employer Contributions</a></td>
<td class="nump">126,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_TotalMember', window );">Total</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fundsaccumulated', window );">Funds Accumulated</a></td>
<td class="nump">21,353,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_TotalMember', window );">Total | Retirement [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployerContributions', window );">Employer Contributions</a></td>
<td class="nump">836,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_TotalMember', window );">Total | Demise Or Disability [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployerContributions', window );">Employer Contributions</a></td>
<td class="nump">315,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_TotalSeniorManagementMember', window );">Total Retirement Commitments Senior Management [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_Fundsaccumulated', window );">Funds Accumulated</a></td>
<td class="nump">20,613,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_TotalSeniorManagementMember', window );">Total Retirement Commitments Senior Management [Member] | Retirement [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployerContributions', window );">Employer Contributions</a></td>
<td class="nump">1,487,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsaxisAxis=bbva_TotalSeniorManagementMember', window );">Total Retirement Commitments Senior Management [Member] | Demise Or Disability [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_bbva_PensioncommitmentsLineItems', window );"><strong>Pension Commitments Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"></td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_ifrs-full_EmployerContributions', window );">Employer Contributions</a></td>
<td class="nump">&#8364; 517,000<span></span>
</td>
<td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
</tr>
<tr><td colspan="3"></td></tr>
<tr><td colspan="3"><table class="outerFootnotes" width="100%">
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:10pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) </font>
          <font style="font-family:Arial;font-size:6pt;">Contributions registered to fulfil the proportion of pension commitments undertaken with the executive directors corresponding to the first half of the 2020 </font>
          <font style="font-family:Arial;font-size:6pt;">financial year. In the case of the Chairman, these correspond to the sum of the annual contribution to cover retirement benefits and the adjustment made to the discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial y</font>
          <font style="font-family:Arial;font-size:6pt;">ear once the AVR for the year 2019 had been determined and to the death and disability premiums. For the Chief Executive Officer, the contributions registered correspond exclusively to the proportion of the premiums for death and disability given that, in </font>
          <font style="font-family:Arial;font-size:6pt;">his case, no commitments were made for the retirement benefit.</font>
        </p>
      </div></td>
</tr>
<tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[2]</td>
<td style="vertical-align: top;" valign="top"><div>
        <p style="text-align:justify;margin-top:6pt;margin-bottom:6pt;line-height:13.8pt;">
          <font style="font-family:Arial;font-size:6pt;margin-left:0pt;">(1) </font>
          <font style="font-family:Arial;font-size:6pt;">Contributions registered to fulfil the proportion of pension commitments undertaken with the Senior Management as a whole for the first half of the</font>
          <font style="font-family:Arial;font-size:6pt;"> 2020 financial year corresponding to the sum of the annual contributions to cover retirement benefits and the adjustments to discretionary pension benefits for the 2019 financial year that fell due in the 2020 financial year once the AVR for the year 2019</font>
          <font style="font-family:Arial;font-size:6pt;"> had been determined, and to the</font>
          <font style="font-family:Arial;font-size:6pt;"> death and disability premiums.</font>
        </p>
      </div></td>
</tr>
</table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_Fundsaccumulated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount acumulated referring to pension commitments with the different type of qualified personalities of the company</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_Fundsaccumulated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PensioncommitmentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PensioncommitmentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>bbva_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ifrs-full_EmployerContributions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of employer contributions to retirement benefit plans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name IAS<br> -Number 26<br> -IssueDate 2019-01-01<br> -Paragraph 35<br> -Subparagraph b<br> -Clause i<br> -URI http://eifrs.ifrs.org/eifrs/xifrs-link?type=IAS&amp;num=26&amp;code=ifrs-tx-2019-en-r&amp;anchor=para_35_b_i&amp;doctype=Standard<br> -URIDate 2019-03-27<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ifrs-full_EmployerContributions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PensioncommitmentsaxisAxis=srt_PresidentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PensioncommitmentsaxisAxis=srt_PresidentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofretirementAxis=bbva_RetirementMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofretirementAxis=bbva_RetirementMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_TypeofretirementAxis=bbva_DemiseordisabilityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_TypeofretirementAxis=bbva_DemiseordisabilityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PensioncommitmentsaxisAxis=bbva_ManagingdirectorMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PensioncommitmentsaxisAxis=bbva_ManagingdirectorMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_bbva_PensioncommitmentsaxisAxis=bbva_TotalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PensioncommitmentsaxisAxis=bbva_TotalMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">bbva_PensioncommitmentsaxisAxis=bbva_TotalSeniorManagementMember</td>
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<TYPE>EXCEL
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<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
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// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
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<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
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/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
